# EDGAR Filing Document

**Accession Number:** 0001724445
**File Stem:** 0001104659-23-011173
**Filing Date:** 2023-2
**Character Count:** 6033408
**Document Hash:** 14c923b7e0c62f5842b7874c9c83cc69
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-23-011173.hdr.sgml**: 20230206

**ACCESSION NUMBER**: 0001104659-23-011173

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

**PUBLIC DOCUMENT COUNT**: 15

**CONFORMED PERIOD OF REPORT**: 20230202

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

**FILED AS OF DATE**: 20230206

**DATE AS OF CHANGE**: 20230206

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Great Ajax Operating Partnership LP
- **CENTRAL INDEX KEY:** 0001666043
- **IRS NUMBER:** 471256148
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02560
- **FILM NUMBER:** 23590766

**BUSINESS ADDRESS:**
- **STREET 1:** 13190 SW 68TH PARKWAY
- **STREET 2:** SUITE 110
- **CITY:** TIGARD
- **STATE:** OR
- **ZIP:** 97223
- **BUSINESS PHONE:** 503-226-4614

**MAIL ADDRESS:**
- **STREET 1:** 13190 SW 68TH PARKWAY
- **STREET 2:** SUITE 110
- **CITY:** TIGARD
- **STATE:** OR
- **ZIP:** 97223
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Great Ajax Funding LLC
- **CENTRAL INDEX KEY:** 0001724445
- **IRS NUMBER:** 823219705
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 9400 SW BEAVERTON HILLSDALE HWY #131
- **CITY:** BEAVERTON
- **STATE:** OR
- **ZIP:** 97005
- **BUSINESS PHONE:** 5034444224

**MAIL ADDRESS:**
- **STREET 1:** 9400 SW BEAVERTON HILLSDALE HWY #131
- **CITY:** BEAVERTON
- **STATE:** OR
- **ZIP:** 97005

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM ABS-15G

ASSET-BACKED SECURITIZER REPORT

Pursuant to Section 15G of the

Securities Exchange Act of 1934

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

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

Date of Report (Date of earliest event reported): _____________

(Exact name of securitizer as specified in its charter)

<br> (Commission File Number of securitizer) (Central Index Key Number of securitizer)

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

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

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

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

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

<u>Ajax Mortgage Loan Trust 2023-A</u>

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

Central Index Key Number of depositor: <u>0001724445</u>

Central Index Key Number of issuing entity (if applicable):<u> </u>

Central Index Key Number of underwriter (if applicable):<u> </u>

<u>Larry Mendelsohn, Manager, (503) 226-4614</u>

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

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

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

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

SIGNATURES

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

---

| | | |
|:---|:---|:---|
| GREAT AJAX FUNDING LLC | GREAT AJAX FUNDING LLC | GREAT AJAX FUNDING LLC |
| (Depositor) | (Depositor) | (Depositor) |
| By: | /s/ Larry Mendelsohn | /s/ Larry Mendelsohn |
|  | Name: | Larry Mendelsohn |
|  | Title: | Manager |

---

Date: February 6, 2023

EXHIBIT INDEX

---

| | |
|:---|:---|
| 99.1 | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC ("AMC") |
|  | [Schedule 1 – AMC Due Diligence Executive Summary](tm235201d1_ex991-1.htm) |
|  | [Schedule 2 – AMC Collection Comment Report](tm235201d1_ex991-2.htm) |
|  | [Schedule 3 – AMC Loan Level Exception – Disposition (Loan Grades)](tm235201d1_ex991-3.htm) |
|  | [Schedule 4 – AMC Exception Ratings Report](tm235201d1_ex991-4.htm) |
|  | [Schedule 5 – AMC Pay History Report](tm235201d1_ex991-5.htm) |
|  | [Schedule 6 – AMC Title Report](tm235201d1_ex991-6.htm) |
| 99.2 | Disclosures required by Rule 15Ga-2 for Mortgage Connect, LP ("Mortgage Connect") |
|  | [Schedule 1 – Mortgage Connect Due Diligence Executive Summary](tm235201d1_ex992-1.htm) |
|  | [Schedule 2 – Mortgage Connect Title Lien Report](tm235201d1_ex992-2.htm) |
|  | [Schedule 3 – Mortgage Connect Delinquent Tax Report](tm235201d1_ex992-3.htm) |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 1**

![](tm235201d1_ex991-1img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed due diligence services as described below utilizing various scopes of review. All of these mortgage loans, which were originated by multiple parties, were purchased by an affiliate of Great Ajax Operating Partnership LP ("Client") in multiple bulk transactions and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Compliance Review": 1,089 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Collection Comment Review": 1,089 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Payment History Review": 1,088 mortgage loans

&nbsp;&nbsp;&nbsp;&nbsp;▪ "Title Review": 1,089 mortgage loans

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

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

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

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

Not Applicable.

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

Not Applicable.

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

Not Applicable.

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

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

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

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![](tm235201d1_ex991-1img001.jpg)

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (1,074 Mortgage Loans)</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial application (1003); |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final application (1003); |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Note; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Sales contract; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Title/Preliminary Title; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial TIL; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final TIL; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Final HUD-1; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial and final GFE's; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Right of Rescission Disclosure; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage/Deed of Trust; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage Insurance; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible Net Benefit Disclosure; |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ FACTA disclosures; and |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Certain other disclosures related to the enumerated tests set forth herein. |

---

**<u>FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 (3 Mortgage Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

*<u>Qualified Mortgage</u>*

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

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

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

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

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

 

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

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

 

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

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

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

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

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

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

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

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

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**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015 (12 Mortgage Loans)</u>**

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

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

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

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

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

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

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

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

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

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![](tm235201d1_ex991-1img001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XIII) Document Review**

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

▪ Loan Estimates; <br> ▪ Closing Disclosures; and <br> ▪ Certain other disclosures related to the enumerated tests set forth herein.

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

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

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**Payment History Review:** AMC performed a review utilizing individual mortgage loan payment history reports provided by the servicer. Using the MBA methodology, AMC created a payment string using a look back period for each mortgage loan within the payment history population of 12-36 months.

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

**Title Review:** As requested by the Client, a title review was included in AMC's scope of review. To facilitate this review, the Client ordered and provided AMC with current owner's title searches on the population of mortgage loans. Upon receipt and review of the current owner's title search results, AMC verified whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

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

**(9) Disclaimer.**

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

There were 1,089 mortgage loans in the final compliance population reviewed by AMC. After all documents were presented, 1,009 (92.65%) of the mortgage loans had exceptions; however, only 78 (7.16%) of the mortgage loans had exceptions that triggered a "C" or "D" rating under the NRSRO criteria noted above

 ****

**COMPLIANCE RESULTS SUMMARY (1,089 Mortgage Loans)**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DBRS NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;80 | &nbsp;&nbsp;7.35% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;931 | &nbsp;&nbsp;85.49% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;69 | &nbsp;&nbsp;6.34% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1089** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE EXCEPTION SUMMARY (1,089 Mortgage Loans)**

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

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**DBRS Final<br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Open<br> Exceptions** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;69 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;D | &nbsp;&nbsp;***Total Compliance Grade (D) Exceptions:*** | &nbsp;&nbsp;***69*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;FHA MIP | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;C | &nbsp;&nbsp;***Total Compliance Grade (C) Exceptions:*** | &nbsp;&nbsp;***19*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA | &nbsp;&nbsp;1019 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Application Date | &nbsp;&nbsp;617 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;560 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;347 |

---

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---

| | |
|:---|:---|
| &nbsp;&nbsp;FACTA | &nbsp;&nbsp;270 |
| &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;247 |
| &nbsp;&nbsp;Missing, Incorrect, or Incomplete GFE | &nbsp;&nbsp;177 |
| &nbsp;&nbsp;LTV Test | &nbsp;&nbsp;151 |
| &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;130 |
| &nbsp;&nbsp;State Defect | &nbsp;&nbsp;121 |
| &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final TIL | &nbsp;&nbsp;96 |
| &nbsp;&nbsp;Missing Required Data (other than HUD-1 or Note) | &nbsp;&nbsp;86 |
| &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Missing Required Data | &nbsp;&nbsp;50 |
| &nbsp;&nbsp;State Late Charge | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;TIL-MDIA | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Safe Act | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Final TIL Estimated | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;FHA | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;ECOA | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Cross Collateralized | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;GSE | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Missing, Incorrect, or Incomplete Initial TIL | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***4060*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**4148** |

---

**COLLECTION COMMENT REVIEW SUMMARY (1,089 Mortgage Loans)**

Of the mortgage loans subject to the collection comment review, 935 mortgage loans (85.86%) triggered an EV1 or EV2 exception level, and 154 mortgage loans (14.14%) triggered an EV3.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Servicing Review Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;348 | &nbsp;&nbsp;31.96% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;587 | &nbsp;&nbsp;53.90% |
| &nbsp;&nbsp;3 | &nbsp;&nbsp;154 | &nbsp;&nbsp;14.14% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1089** | &nbsp;&nbsp;**100.00%** |

---

**PAYMENT HISTORY REVIEW SUMMARY (1,088 Mortgage Loans)**

Of the 1,088 mortgage loans subjected to the Payment History Review 1,064 (97.79%) mortgage loans had complete pay history strings and 24 (2.21%) mortgage loans had at least one month of data missing within the review period. Of the mortgage loans reviewed, 165 (15.17%) mortgage loans were reviewed with a cut-off date of June 30, 2019 and a 12 month look back period, 183 (16.82%) mortgage loans were reviewed with a cut-off date of July 31, 2019 and a 12 month look back period, 423 (38.88%) mortgage loans were reviewed with a cut-off date of August 31, 2019 and a 12 month look back period, and 317 (29.14%) mortgage loans were reviewed with a cut-off date of September 31, 2019 and a 36 month look back period. Of the mortgage loans reviewed, 25 (2.30%) mortgage loans did not show a delinquency within the look back period. The remaining 1,063 (97.70%) mortgage loans showed at least one delinquency within the look back period.

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---

| | | |
|:---|:---|:---|
| **Delinquency During Lookback** | **Loan Count** | **% of Loans** |
| No Delinquency, No Missing Data | 12 | 1.10% |
| Delinquency, No Missing Data | 1052 | 96.69% |
| No Delinquency, At Least One Month Missing | 13 | 1.19% |
| Delinquency, At Least One Month Missing | 11 | 1.01% |
| **Total** | **1088** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Lookback Period** | **Loan Count** | **% of Loans** |
| Twelve (12) Months | 771 | 70.86% |
| Thirty-six (36) Months | 317 | 29.14% |
| **Total** | **1088** | **100.00%** |

---

**TAX AND TITLE REVIEW SUMMARY (1,089 Mortgage Loans)**

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

**ADDITIONAL SUMMARY (1,089 Mortgage Loans)** 

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;576 | &nbsp;&nbsp;52.89% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;513 | &nbsp;&nbsp;47.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1089** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;1088 | &nbsp;&nbsp;99.91% |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1089** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;191 | &nbsp;&nbsp;17.54% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;9 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;309 | &nbsp;&nbsp;28.37% |
| &nbsp;&nbsp;Limited Cash-Out | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;182 | &nbsp;&nbsp;16.71% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;212 | &nbsp;&nbsp;19.47% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;157 | &nbsp;&nbsp;14.42% |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.37% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;22 | &nbsp;&nbsp;2.02% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1089** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;0-120 Months | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.64% |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;55 | &nbsp;&nbsp;5.05% |
| &nbsp;&nbsp;181-240 Months | &nbsp;&nbsp;29 | &nbsp;&nbsp;2.66% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;938 | &nbsp;&nbsp;86.13% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;60 | &nbsp;&nbsp;5.51% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1089** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;667 | &nbsp;&nbsp;61.25% |
| &nbsp;&nbsp;Co-op | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;49 | &nbsp;&nbsp;4.50% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;103 | &nbsp;&nbsp;9.46% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.55% |
| &nbsp;&nbsp;Single-wide Manufactured Housing | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.29% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;14 | &nbsp;&nbsp;1.29% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;40 | &nbsp;&nbsp;3.67% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.28% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Land | &nbsp;&nbsp;27 | &nbsp;&nbsp;2.48% |
| &nbsp;&nbsp;Unavailable | &nbsp;&nbsp;157 | &nbsp;&nbsp;14.42% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1089** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;957 | &nbsp;&nbsp;87.88% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;79 | &nbsp;&nbsp;7.25% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;27 | &nbsp;&nbsp;2.48% |
| &nbsp;&nbsp;Unknown | &nbsp;&nbsp;26 | &nbsp;&nbsp;2.39% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1089** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.1

**Exhibit 99.1 Schedule 2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Final Current Event Level** | **Current Exceptions** | **Servicing Comments** | **Status Date** | **Last Action Date per Servicer** |
| 2965227264 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower calling to schedule payment $X.XX, borrower advised reason for default excessive obligations,<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Property was cited as being located in a XXX declared disaster area due to XXX as cited on XX/XX/XXXX. | 06/30/2019 | 08/01/2019 |
| 2965227006 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to add one time draft payments in the amounts of $X.XX & $X.XX for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227714 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment for $X.XX and declined loss mitigation assistance. The borrower advised the RFD is due to an illness.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227406 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Last contact with the borrower they called in to make a payment via check by phone on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. Zero details of bankruptcy given<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227698 | 3 | [3] Title Issue -: Legal Description<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is evidence of title issues with the property. Incorrect legal description; details of the error was not evident in the review and a prior lien was cited on XX/XX/XXXX. Prior lien resolution is to receive the satisfaction/release and no curative actions for legal description was not evident in the review.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/29/2019 |
| 2965227538 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower schedule payment $X.XX, advised borrower of acceleration letter and modification<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227477 | 3 | [3] Mortgagor Deceased - Not clear or no information on executor/heir<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and added a one time draft payment of $X.XX dated XX/XX/XXXX. Borrower is deceased and Not clear or no information on executor/heir. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227613 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Borrower called - needed phone number to insurance company - provided information to borrower<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/29/2019 |
| 2965227612 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX borrower called to make a payment of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: loan is in pre review for foreclosure referral. | 06/30/2019 | 07/30/2019 |
| 2965227531 | 2 | [2] Currently Delinquent Mortgage<br>[1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs<br>[1] Damaged Interior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower added one time draft in the amount of $X.XX for date XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. Servicer comments, discharged bankruptcy, removed bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Borrower went to servcier branch to have insurance claim check in the amount of $X.XX endorsed. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/24/2019 |
| 2965227434 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: No Contact with anyone confirmed as the Borrower during the Review Period. | 06/30/2019 | 07/31/2019 |
| 2965227568 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Last contact with the borrower they called to make a payment. Borrower was also advised due to the discharged bankruptcy may not be liable for the loan but the property lien is still valid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227730 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called will pay at branch today, unable to evaluate.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227125 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inbound, advised of notes on account advising reinstatement was received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Borrower reinstated loan with $X.XX on XX/XX/XXXX. Loan had a scheduled foreclosure sale date of XX/XX/XXXX. Since this date Lender has been unable to re-establish contact and loan defaulted again. | 06/30/2019 | 08/01/2019 |
| 2965227533 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Talked to borrower - reviewed repayment plan<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/22/2019 |
| 2965227842 | 3 | [3] Loan is in Foreclosure<br>[2] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified but not documented | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to ask for assistance options. Attempted transferred, borrower hung up. Borrower is deceased and Executor/Heir exists to dispose of property; identified but not documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. No original bankruptcy details provided in the collection comments.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227101 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inbound to make payment. Not interested in Loss Mit, she does not know when she will be able to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227300 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding theral status of the loan and was informed of the foreclosure. Borrower wanted to send a decreased payment and was advised a reduced payment would not be accepted for XXX and XXX but would be $X.XX in XXX. Borrower advised $X.XX would be sent in the next 15 days.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. No original bankruptcy details provided in the collection comments.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965227448 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Last contact with the borrower would only say has excessive obligations and car repairs and needed to get back to work.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226900 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and said the reason for delinquency was excessive obligation. Borrower cannot commit to pay. Borrower requested assistance options. Borrower promised to pay $X.XX at bank branch on XX/XX/XXXX. Borrower says not interested in home preservation options. Rep unable to offer repayment plan due to income.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226854 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called borrower to discuss the payment due on the loan. Borrower said the reason for delinquency was illness of principal mortgagor. Borrower got in a car accident due to mud slides, second accident in four months, has medical expenses and waiting to get paid. Borrower says also has excessive obligations. Rep advised customer of payment changing and concerned of the payment increasing. Borrower says he is not prepared for a repayment plan and he would rather wait. Says not interested in loan modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/27/2019 |
| 2965227025 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and said the reason for delinquency was excessive obligation. Borrower says cannot commit to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227173 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to schedule a payment. Says will try and make one payment a week until current and will call back on Monday to make another payment. Borrower said the reason for delinquency was illness of mortgagor. Borrower says had 2 hip replacement and was out of work. Borrower cannot commit to pay. Borrower not interested in loan modification, but interested in home preservation options<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227496 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and promised to make a payment. Borrower not interested in loan modification. Borrower cannot commit to pay. The agent informed borrower that due to discharged bankruptcy they are not liable for loan debt, but property lien is still valid and enforceable. Borrower scheduled a payment on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. No additional information was provided in the commentary.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226984 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226860 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called to make a payment. They were not interested in home preservation options. They stated reason for default was curtailment of income. Work was slow and they were trying to catch up. They hope to catch up by the end of the month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227836 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer stated reason for default was excessive obligations due to illness of customer and medical expenses. They scheduled a payment for XX/XX/XXXX. They stated they hope to make another payment in two weeks. The customer declined loss mitigation review.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227744 | 3 | [3] Loan is in Foreclosure<br>[3] Title / Lien Defect - Mortgagor Deceased - In Probate | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. A third party called to inform probate court was set for XX/XX/XXXX and they will be the appointed executor. Borrower is deceased and In Probate. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: XX/XX/XXXX-Th Power of attorney advised that the estate is still in probate with a projected resolution date of XX/XX/XXXX. At that time they would like to reinstate the account. | 06/30/2019 | 08/01/2019 |
| 2965227321 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer stated reason for default was curtailment of income. They stated the hardship completed. They scheduled a payment for XX/XX/XXXX. They were not interested in home preservation options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965227166 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226921 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called and made a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/26/2019 |
| 2965227695 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment for $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/27/2019 |
| 2965227667 | 3 | [3] Loan is in Foreclosure<br>[2] Payoff has been requested within the last 60 days | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to request a reinstatement quote. The borrower was provided the reinstatement quote of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD. Loan reinstated on XX/XX/XXXX.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/22/2019 |
| 2965227483 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226842 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Talked to borrower - discussed repayment options<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: XX/XX/XXXX The foreclosure referral hold was released for XXX declared disaster XXX which occurred on XX/XX/XXXX. No property damages were reported. | 06/30/2019 | 08/01/2019 |
| 2965227739 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower scheduled payment $X.XX XX/XX/XXXX, borrower advised reason for default excessive obligation, borrower advised awaiting funds to bring account current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227400 | 3 | [3] Cease and Desist Request Received From Mortgagor or 3rd Party<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Called borrower - promises to made payment in the amount of $X.XX by XX/XX/XXXX at the local branch. Discussed repayment options<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226859 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/10/2019 |
| 2965227723 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Talked to borrower -- borrower stated wants to sell home but didn't want to go into foreclosure while on the market - advised borrower to continue making payments - discussed options with borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227628 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and made XX months payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227233 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The comments indicate a prior discharged bankruptcy, however the details of the bankruptcy were not clearly stated in the history provided.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/20/2019 |
| 2965226965 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227111 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Borrower called - discussed repayment plan<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227591 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower inquiring about form showing interest paid, advised borrower due to discharged bankruptcy<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/26/2019 |
| 2965226822 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to make a payment in the amount of $X.XX. Borrower states they are not interested in home preservation options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965227331 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower scheduled payment $X.XX, advised borrower due to discharged bankruptcy not liable for loan debt.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/20/2019 |
| 2965227771 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called requesting a reinstatement quote.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227108 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226790 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower scheduled payment $X.XX , borrower advised reason for default curtailment of income, went over financials<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227495 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make payment, not interested in Home Preservation. Borrower expressed concern regarding XX/XX/XXXX payment that was made, advised there was an invalid account number, assisted with CBP.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227183 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower scheduled payment $X.XX, went over financial, borrower advised reason for default curtailment of income, husband out of work.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: A previous foreclosure action on this loan was closed and billed on XX/XX/XXXX due to loan reinstatement. | 06/30/2019 | 08/01/2019 |
| 2965227760 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower scheduled payment $X.XX, discuss financials, borrower not interested in loss mitigation<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227432 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Co-Borrower called, business has gotten better. Completed welcome call, advised we would need to verify income to see if we can set up for a new review. Reviewed docs needed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is breach/demand notice.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Loan was reinstated with cash payment XX/XX/XXXX. | 06/30/2019 | 07/23/2019 |
| 2965227831 | 2 | [2] Currently Delinquent Mortgage<br>[2] Written Dispute - Servicer responded within 60 days and mortgagor still questioning servicer | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX outbound collection call, borrower unable to commit to payment, discussed financials, borrower inquired about payment dispute. Borrower rejected mortgage assistance.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Payment Dispute. The dispute is not resolved and the status indicates Servicer responded within 60 days and mortgagor still questioning servicer. Borrower claimed account should not be delinquent and disputed payment history. Issue was still being research at end of review period.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227792 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy details were not clearly stated in the history provided.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965227717 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227202 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The last contact was made on XX/XX/XXXX, in which the borrower scheduled a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227342 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower calling inquiring about workout assistance, borrower cannot commit to pay, discuss financials<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226953 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX borrower accepted XX month repayment plan effective XX/XX/XXXX through XX/XX/XXXX, hardship is over and borrower eels he can make the payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/05/2019 |
| 2965227752 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to verify that the insurance documents were received. The policy information was updated verbally with a representative.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: A loan modification was completed on XX/XX/XXXX. Another loan modification request was denied on XX/XX/XXXX. | 06/30/2019 | 08/01/2019 |
| 2965226894 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX borrower called to schedule a payment of $X.XX for XX/XX/XXXX and $X.XX for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: A XXX disaster was noted on XX/XX/XXXX due to XXX. No damages found in comments. | 06/30/2019 | 07/31/2019 |
| 2965227256 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to verify her insurance policy information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227782 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated that his RFD was due to excessive obligations. His spouse has been ill and collecting disability. Loss mitigation assistance options were discussed and the borrower was interested in the Financial Health Program".<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226982 | 3 | [3] Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair<br>[2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The third party called for a reinstatement quote. The borrower was provided the fax number to request the quote and was advised of the XX/XX/XXXX foreclosure sale date. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. XXX damage The damage repair amount is estimated at $X.XX. Property repairs have not started. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/25/2019 |
| 2965227857 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227686 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Called borrower - discussed options - borrower promises to make payment in the amount of $X.XX at branch by XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/15/2019 |
| 2965227147 | 3 | [3] Mortgagor Deceased - Not clear or no information on executor/heir<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make a payment in the amt of $X.XX. Advised borrower of the delinquency of the account and the ninety day time frame. Borrower is deceased and Not clear or no information on executor/heir. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965226800 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Borrower called to make payment in the amount of $X.XX - discussed options - borrower stated they are not interested in home preservation options<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: XX/XX/XXXX - Property is located in a proactive XXX zone XXX, for XXX on XX/XX/XXXX. | 06/30/2019 | 07/31/2019 |
| 2965227371 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and made a one time payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227096 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - borrower called with a promise to pay $X.XX by check soon - discussed repayment options<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/02/2019 |
| 2965227623 | 3 | [3] Mortgagor Deceased - Not clear or no information on executor/heir<br>[2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Borrower called - cannot commit to pay due to being unemployed - discussed options Borrower is deceased and Not clear or no information on executor/heir. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: XXX declared disaster area XXX, customer was eligible for disaster assistance but notes indicate no impact. | 06/30/2019 | 07/25/2019 |
| 2965227822 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to Borrower and they made a one time payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227423 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to Borrower and they promised to make a payment in the amount of $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/29/2019 |
| 2965227067 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower scheduled a payment in the amt of $X.XX for XX/XX/XXXX. Borrower is not interested in home preservation options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227029 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227356 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and made a promise to pay in the amt of $X.XX. Reason for delinquency is curtailment of income. Comment dated XX/XX/XXXX borrower stated they had to travel out of the country due to dads illness and is still ill. Comment dated XX/XX/XXXX associate educated borrower on the modification, borrower did not want to apply today.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/29/2019 |
| 2965226981 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make her payment. Borrower had questions on modification plan that was completed last year. Borrower on active repayment plan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/16/2019 |
| 2965227288 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss status of account and requested a reinstatement quote. Rep advised the foreclosure status is active. Borrower cannot commit to pay and not interested in home preservation options. Rep informed caller that due to discharged bankruptcy, they are not liable for loan debt, but property lien is still valid and enforceable. Borrower opted in to receiving emails.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227585 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Call and spoke to the authorized third party on the account to collect the past due payment. The authorized third party promise to pay $X.XX at the bank. Third party accepted two piti payment plan without fees for $X.XX to begin XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965226997 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227319 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer expressed concern with not being able to pay online. They processed a payment on the phone instead. The customer had a previous discharged bankruptcy, therefore payment options were not provided.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Discharged bankruptcy present in the commentary. It was noted as early as XX/XX/XXXX. It appears to have occurred prior to the commentary provided. No bankruptcy case information such as dates, chapter, or case number were provided in the commentary.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 06/27/2019 |
| 2965227582 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/20/2019 |
| 2965227251 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/20/2019 |
| 2965226835 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer call in to make a payment in the amount of $X.XX. The borrower advise they are starting to get their funds back in after having an issue with fraud on their checking account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965226943 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965226799 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with the borrower regarding general status of the loan. Explained the modification denial and the reason. The customer understood and advise she is going to appeal the decision using more income from an eBay account she has selling merchandise.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: It appears the borrower did not request a copy of the payoff amount . On XX/XX/XXXX it seems the request was due to an internal request. The document was needed to prepare the XXX letter. The payoff was initiated and a final payoff quote in the amount of $X.XX good through XX/XX/XXXX was provided. | 06/30/2019 | 07/31/2019 |
| 2965226794 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized third party spouse advised the RFD is due to excessive obligations and made a payment for $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227767 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inbound made XX payment, promised to pay XX payment XX/XX/XXXX. Promise kept. Car issues and helping with family issue.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227359 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized third party stated they will wire a payment on XX/XX/XXXX and XX payment on XX/XX/XXXX. They stated they were not interested in loss mitigation options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227649 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and made a promise to pay $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Comments does not provide case #, chapter, filing date or discharge date.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/23/2019 |
| 2965227175 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/26/2019 |
| 2965227349 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area.<br>[1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs<br>[1] Damaged/Occupied/XXX Zone - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower claims will get caught up without assistance, declined assistance options<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. XXX damage The damage repair amount is estimated at $X.XX. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Borrower in process of repairing XXX damaged by XXX from XXX, funds received seem to be slightly more than deductible. | 06/30/2019 | 08/01/2019 |
| 2965227080 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inbound question about payments. Promised to pay $X.XX on XX/XX/XXXX. Not interested in Loss Mit.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/29/2019 |
| 2965227393 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called he wants to cancel the payment that was scheduled, can not commit to pay. Attempted to review workout options but he refused to cooperate. Borrower was informed when the payment comes back then the repayment plan can break. Borrower stated their source of income is coming from social security on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/29/2019 |
| 2965227002 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Post Review Borrower requested reinstatement quote. | 06/30/2019 | 08/01/2019 |
| 2965227572 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they were denied XXX assistance. They are not interested in loss mitigation options and could not commit to pay. . They stated they have been out of work for eight months.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227611 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Borrower called with a promise to pay - discussed options. Borrower stated they lost their part time job.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227805 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made a phone payment<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227565 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Borrower called - stated still waiting on commission monies - payment arrangements were made by other borrower the day before - borrower promises to pay $X.XX with check by phone on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/27/2019 |
| 2965227265 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding review decision. Rep discussed liquidation options with borrower who declined the short sale option. Advised borrower t hat the appeal period ends in 20 days and the loan will lose its foreclosure protection. Borrower advised he will make one payment on XX/XX and is waiting for money from his pension plan to bring the acct current..<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227076 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call co-borrower promise to pay $X.XX mail in XX/XX/XXXX, and $X.XX XX/XX/XXXX, advised reason for default unemployed borrower 2 and illness borrower 1, borrower not interested in home preservation<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965227307 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226837 | 3 | [3] Collection Comments - Missing | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was ---.<br> REASON FOR DEFAULT: <br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 |  |
| 2965227746 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called to inform lender that spouse passed away. Advised customer to fax in a copy of the death certificate. Also informed customer that the loan is due for XX payments in the amt of $X.XX. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Comments do not provide case #, chapter, filing date or discharge date.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227731 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borr called to make payment of $X.XX. Associate made contact with borrower regarding the final modification documents. Borrower stated they will meet the notary on Saturday and associate informed the modification will take 2 weeks to complete.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 06/29/2019 |
| 2965227675 | 3 | [3] Loan is in Foreclosure<br>[2] Payoff has been requested within the last 60 days | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call co borrower advised reason for default excessive obligation, borrower inquiring about reinstatement figures, advised borrower of foreclosure status with not sale date<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is business failure.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Based on the collection comments dated XX/XX/XXXX it appears the reason the payoff was created was the customer called. | 06/30/2019 | 08/01/2019 |
| 2965227267 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was contacted and promised to pay $X.XX on XX/XX/XXXX at the branch.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: XXX - Date of loss XX/XX/XXXX - Action taken by branch endorsed and released check - Resolved. | 06/30/2019 | 07/29/2019 |
| 2965227439 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Discussed hardship, foreclosure and modification with borrower<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD. Previous FC was contested prior to reinstatement.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Borrower reinstated from foreclosure XX/XX/XXXX with cash payment of $X.XX; bringing it due for XX/XXXX at the time. | 06/30/2019 | 08/01/2019 |
| 2965227182 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment in the amount of $X.XX. Borrower stated her husband was in an accident and they had to purchase a new car.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Comments does not provide case #, chapter, filing date and discharge date.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965226878 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and stated he has been going through several medical issues and is interested in being reviewed for options in home preservation. He doesn't believe he will be caught up in the next few months. Advised borrower he will need to speak with reentry and gave him the phone number. Advised borrower of documents that will be needed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227347 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer wanted to future date the XXX payment and made a promise to pay $X.XX on XX/XX/XXXX. Discussed the deferred interest with customer.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227285 | 2 | [2] Currently Delinquent Mortgage<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for a status update. Advised borrower that the XX/XX payment was reversed and applied towards the XXX payment instead of principal. Advised the XX/XX due date is in the amt of $X.XX and the total amt due with fees is $X.XX. Advised borrower that the payment history was sent on XX/XX. Customer stated she will check with her sister to see if she received and otherwise will call back and request an additional pay history.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. XX/XX/XXXX Customer disputes loan data is not his/hers. Agent reviewed and validated borrower information however due the process the borrower's address was incorrect. The agent updated/corrected the borrower address. Dispute addressed and resolved.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Comments does not provide case #, chapter, filing date and discharge date.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/29/2019 |
| 2965226815 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - borrower called with a promise to pay - trying to bring loan current<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/18/2019 |
| 2965227282 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/25/2019 |
| 2965227756 | 2 | [2] Currently Delinquent Mortgage<br>[2] Damaged Exterior - Active insurance claim but unclear who holds funds or covered by bid<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower wanted to set up a payment but the connection was too bad. The borrower also declined loss mitigation options.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. On XX/XX/XXXX the servicer reviewed and submitted a Credit Dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. XX/XX/XXXX Borrower noted XXX damage and they were waiting for an insurance adjustment. As of XX/XX/XXXX there is no indication an insurance adjustment has occurred. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227254 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower, advised borrower of foreclosure status no sale date, borrower requesting to make payment of $X.XX, advised borrower of reinstatement figures $X.XX good through XX/XX/XXXX, borrower requested to be reviewed for loss mitigation<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227754 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX outbound collection call borrower cannot commit to pay, borrower advised son live in property , reason for default death of family member<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of family member.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226858 | 3 | [3] Collection Comments - Missing | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was ---.<br> REASON FOR DEFAULT: <br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 |  |
| 2965227003 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower scheduled payment $X.XX, borrower advised reason for default government shutdown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227164 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower advised the RFD is due to Excessive Obligations and promised to pay $X.XX with check by phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965227774 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment for $X.XX and declined preservation options as they plan on bringing the loan current on their own.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965227088 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX borrower called in, made a payment for $X.XX, SPOC assistance not offered due to bankruptcy, bankruptcy is discharged, advised borrower not responsible for the debt, but property is still a valid loss if loan is not paid<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227543 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower paid by phone, declined assistance options<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965227110 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX the borrower called in and was offered loss mitigation assistance but declined. The borrower stated that he hopes to make payment shortly, RFD death of family member and dad has had medical issues.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of family member.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/26/2019 |
| 2965227672 | 3 | [3] Pay History - Incomplete - Missing: Incomplete - Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX borrower called to schedule a payment for XX/XX/XXXX, borrower is no interested in LM and stated borrower 1 does not live in the home. Offered SPOC assistance, declined.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/26/2019 |
| 2965227284 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the borrower was advised that the loan was due for XXX. Reason for delinquency was that husband was was out of work due to an illness but he is now working again. Borrower made a promise to pay $X.XX. via check by phone by XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/24/2019 |
| 2965227600 | 2 | [2] Currently Delinquent Mortgage<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower promised to pay $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. A payment dispute was resolved on XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/20/2019 |
| 2965227241 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called with a promise to pay $X.XX via XXX on XX/XX/XXXX. RFD is illness of borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227502 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding a letter from lender. He made a payment in the amt of $X.XX at the bank branch. Borrower will be paying XXX payment on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Comments do not provide case #, chapter, filing date or discharge date.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/02/2019 |
| 2965227815 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer called to advise that they made a payment in the branch on XX/XX/XXXX, promise another payment by the middle of next month. The reason for delinquency is a curtailment of income.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/29/2019 |
| 2965226946 | 3 | [3] Pay History - Incomplete - Missing: Incomplete - Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in to discuss the home status and total amount due, discharged BK advised that they are not liable for the debt but have to resolve the home situation<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227616 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and authorized a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Could not located case #, chapter, filing date and discharge date in comments.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/27/2019 |
| 2965227398 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: Comment dated XX/XX/XXXX cites the XXX recast was accepted and pending maintenance. | 06/30/2019 | 07/24/2019 |
| 2965227372 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower stated she got injured from work. She has been on disability and should be getting her first check from work on XX/XX/XXXX. Advised borrower of consequences and offered assistance. Will discuss options with borrower on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227262 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to Borrower and they made a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is marital difficulties.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/19/2019 |
| 2965227391 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called customer and went over the denial decision. Rep asked if she could bring the loan current and she advised no. Rep advised that we have to review all of the documents to ensure we can or can't offer assistance to bring the loan current before advising of the decision. Rep advised traditional sale and she advised there are homes in the area that have been listed for a year. Rep advised of a short sale and she said she isn't doing that. She said to send her a letter and she will get an attorney and file bankruptcy. Call disconnected.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226872 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called borrower to collect on past due amount. The borrower authorized a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Commentary dated XX/XX/XXXX reflects that the property is located in a XXX disaster area due to XXX. No damages reported. | 06/30/2019 | 07/31/2019 |
| 2965226977 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer called to make a payment, assistance was offered and a promise for future payments was provided<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/09/2019 |
| 2965227412 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in to schedule a payment in the amount of $X.XX. They were not interested in home preservation options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227790 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call borrower scheduled XX payments $X.XX XX/XX/XXXX and XX/XX/XXXX reason for default curtailment of income borrower self employed<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/20/2019 |
| 2965226901 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX outbound collection call borrower promise to pay $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965226963 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called to verify the payment details. They stated they could not commit to pay. The reason for default was excessive obligations. They were not interested in home preservation options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 06/27/2019 |
| 2965227141 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX outbound collection call, borrower advised he will pay XXX at bank<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227530 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX inbound call, borrower returning call borrower scheduled payment XX/XX/XXXX. Reason for default illness Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/11/2019 |
| 2965227596 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Reason for default was curtailment of income. Authorized third party call for a reinstatement quote. They were not interested in home preservation options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 06/28/2019 |
| 2965227587 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to get the current status of the loan and advised she will make one full payment at the branch for XXX and make the XXX payment at the end of the month. The borrower was advised of the risk of foreclosure after the loan is XX days past due.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/25/2019 |
| 2965227120 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/02/2019 |
| 2965227859 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was called to collect on the past due loan amount. The authorized third party advised his wife is ill and is on fixed income. Mortgage assistance options were presented but the borrower could not commit to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Borrower deceased per note on XX/XX/XXXX. | 06/30/2019 | 08/01/2019 |
| 2965227511 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called borrower to collect past due amount. Borrower made a promise to pay $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/29/2019 |
| 2965227461 | 3 | [3] Loan is in Foreclosure<br>[2] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified but not documented<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Received call from authorized third party to request assistance options. Comment dated XX/XX/XXXX caseworker with XXX made contact with borrower to inform their research is complete and the offer is still open if they need assistance and advised the latest payment that was received. Borrower is deceased and Executor/Heir exists to dispose of property; identified but not documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD. A reinstatement or payoff has been requested.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: Associate informed caller to send in documents confirming them as the successor n interest so they can be reviewed for a modification as cited on XX/XX/XXXX. Executive inquriy cited as being resolved on XX/XX/XXXX informs borrower credit reporting and late fees are stopped on loans that was in effect for all areas affected by the XXX declared disaster area. Servicer can also confirm receipt of payment on XX/XX/XXXX and as the date of this letter the loan is current. To assist you in recovering from the recent XXX if there is any disaster assistance they can offer. | 06/30/2019 | 07/31/2019 |
| 2965227102 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized third party (borrower's wife) called for a status update on the reinstatement quote they requested and was given the amount of $X.XX good through XX/XX/XXXX; not including late fees. The third party was also advised of foreclosure status with no sale date.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is NOS/sale pub.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The loan was modified on XX/XX/XXXX. The loan was reinstated and the foreclosure was file was closed on XX/XX/XXXX(after the review period). | 06/30/2019 | 07/26/2019 |
| 2965227796 | 3 | [3] Collection Comments - Missing | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was ---.<br> REASON FOR DEFAULT: <br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 |  |
| 2965227247 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965227747 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called borrower to collect past due amt. Borrower stated could not commit to pay and not interested in home preservation options. Advised borrower of options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/30/2019 |
| 2965227287 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called customer and informed of repayment plan modification option. Borrower made a promise to pay $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227286 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Authorized third party borrower called with questions about payments - borrower stated most recent payment that was sent in in the amount of $X.XX is no longer valid and borrower promises to make a new payment soon in two installments Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/31/2019 |
| 2965227811 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and stated we returned a check he sent for a payment in the amt of $X.XX. Advised borrower that the amount was less than his regular monthly payment and we do not accept partial payments. Advised borrower he has to make a full monthly payment. Borrower advised he cannot commit to pay. Borrower gathering financial for review.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227271 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Unable to locate case #, chapter, filing date and discharge date in comments.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/27/2019 |
| 2965227216 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they were not aware of the foreclosure and inquired about the loan modification being denied.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/26/2019 |
| 2965227778 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and authorized a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227800 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Borrower called updated email address on account - borrower received a letter regarding delinquency and available options - borrower promises to make one payment soon.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/25/2019 |
| 2965227403 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower paid by phone and declined assistance options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is distant employment transfer.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/23/2019 |
| 2965227191 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX borrower called to make a payment of $X.XX, The borrower was not interested in loss mitigation assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of family member.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 08/01/2019 |
| 2965227031 | 3 | [3] Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair<br>[3] Damaged Interior - Damage remains unresolved and no indication covered by insurance<br>[3] Damaged/Occupied/XXX Zone - Damage remains unresolved and no indication covered by insurance<br>[2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to discuss modification options and was informed of the process.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. The borrower notified the servicer of XXX damage due to XXX on XX/XX/XXXX. Property repairs have not started. The property condition is poor. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Comments on XX/XX/XXXX indicated the property is located in a XXX disaster area due to XXX. Damages are pending. | 06/30/2019 | 08/01/2019 |
| 2965226906 | 2 | [2] Currently Delinquent Mortgage<br>[2] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified but not documented<br>[2] Payoff has been requested within the last 60 days | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized third party called in regards to a delinquent letter and stated that the account should be current. The third party was advised that the loan has been consistently delinquent for the last XX months. She was also advised that a payment history was sent and to please review and call back if she disagrees. Borrower is deceased and Executor/Heir exists to dispose of property; identified but not documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 06/30/2019 | 07/17/2019 |
| 2965227326 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. An outbound call was placed to the borrower. The servicer advised the borrower of the trial payment plan terms in the amount of $X.XX beginning XX/XX/XXXX and ending by XX/XX/XXXX. The borrower was further advised of next call on XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/02/2019 |
| 2965227727 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Advise will require updated authorization letter, fax # provided.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. Unable to determine the next projected foreclosure step.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/28/2019 |
| 2965227387 | 3 | [3] RFD - Borrower Illness<br>[2] Currently Delinquent Mortgage<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and was advised of total amount due. Borrower stated that she was unaware of any delinquency and that she attempted to make partial payment at branch but the payment was not accepted. Borrower then stated that she needs a modification packet due to her being on a fixed income Borrower is deceased and ---. The date of death is unknown.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/11/2019 |
| 2965227047 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with the borrower about payment and the borrower was not able to make payment at this time. They were unaware of delinquent amount.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is vacant.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/10/2019 |
| 2965226936 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talk to borrower regarding documents needed for modification request.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/16/2019 |
| 2965226897 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make trial payment iao $X.XX to be drafted XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is current loss mitigation in place. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965226818 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965226896 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and advised the reason for default is long term. The representative advised that the Notice of Intent letter expires on XX/XX/XXXX, credit reporting and late charges will continue, and that collection activities will continue up to foreclosure. Short and long-term retention options were discussed.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/12/2019 |
| 2965227559 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in states his payments are being paid out of a trust account his bank account is frozen due to a lawsuit going on and it should be resolved by mid XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is modification/short sale pending. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227023 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inform payment would be made at branch on XX/XX/XXXX and XX/XX/XXXX and stated; reason for delinquency due to them paying off credit cards.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/30/2019 |
| 2965227517 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The power of attorney confirmed that due to the source of the borrowers income...not required to file taxes. The power of attorney stated will submit borrowers 4506 form with attestation clause box checked.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/20/2019 |
| 2965227192 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The XX/XX/XXXX missing payment was explained by the representative. The borrower advised XX/XX/XXXX payment was made over the phone with us by XX/XX/XXXX. The borrower can send proof of payment to us, was advised by customer service. The borrower was provided with the fax# and was advised on XX/XX/XXXX we setup payment for XX/XX/XXXX in the amount of $X.XX. The borrower advised we took the payment of $X.XX out on XX/XX/XXXX according to the bank statements. The representative advised no payment was made in XXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/29/2019 |
| 2965227205 | 3 | [3] Borrower(s) represented by counsel.<br>[3] Loan is in Foreclosure<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to advise that she is filing for bankruptcy. The borrower also advised for reason for delinquency. Borrower is deceased and ---. The date of death is unknown.<br> REASON FOR DEFAULT: The reason for default is business failure.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. Service was completed XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/16/2019 |
| 2965227627 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Advised borrower of short and long term options. Borrower stated rfd is medical and is refinancing with third party company. Advised to submit letter of authorization for third party company and call back tomorrow with the company on the line. Borrower stated cannot pay anything but will work on refinance to pay off loan.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is breach/demand notice.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/09/2019 |
| 2965226941 | 3 | [3] F/C Sale Date Scheduled Within Next 6 Months<br>[3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in accepted mod trial and verified the property is vacant.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is current loss mitigation in place. The next projected foreclosure step is NOS/sale pub.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently in an active trial to modification plan. mod trial XX/XX/XXXX-XX/XX/XXXX monthly payment $X.XX<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is vacant.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227583 | 3 | [3] Loan is in Foreclosure<br>[3] RFD - Borrower Illness | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated that the property is tenant occupied. The agent advised of the total amount due & the notice of intent expiration date. Long and short term options were discussed & reinstatement figures were provided. The borrower stated that he is trying to come up with funds and already has half.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. Service was completed XX/XX/XXXX. Judgment was entered XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is NOS/sale pub. The foreclosure sale date is scheduled for XX/XX/XXXX.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/05/2019 |
| 2965227104 | 3 | [3] Loan is in Foreclosure<br>[3] RFD - Borrower Illness | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called gave one time authorization for third party. Verbally provided reinstatement figures as well as amount due bank wiring and overnight payment address information.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965226879 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965227425 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX Borrower called to make a payment.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. Unable to determine the next projected foreclosure step. XX/XX/XXXX Commentary states active Foreclosure.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227827 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was advised of the account status, notice of intent expiration, reinstatement and long and short term options.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227272 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The last contact with the borrower was on XX/XX/XXXX to discuss options and documentation needed to proceed with workout options.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. Unable to determine the next projected foreclosure step.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965227200 | 2 | [2] Evidence of deceased borrower(s).<br>[2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Loan and foreclosure status was reviewed with the borrower. No payment was scheduled. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is bankruptcy filing. The next projected foreclosure step is sale. Foreclosure was placed on hold when the bankruptcy was filed.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227652 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was advised of the missing documents needed for modification, that they have been mailed with instructions on a sticky note placed inside of the package, and the borrower stated they understood.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is modification/short sale pending. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/16/2019 |
| 2965227742 | 3 | [3] Loan is in Foreclosure<br>[3] RFD - Borrower Illness | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower advised property owner occupied, intends to keep property and ordered reinstatement figures. The agent advised of short term and long term options and that collection activity will continue and a sale date could be assigned at any time. The borrower had a heart transplant recently and was behind on bills and business has slow.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is current loss mitigation in place. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227450 | 2 | [2] Currently Delinquent Mortgage<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized third party called in to verify if documents was received giving permission to speak with them regarding the account. The servicer advised of the short and long term options. The servicer also verified the status of the foreclosure and told the customer to call back Friday or Tuesday to verify if the documents have been uploaded to the system. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/16/2019 |
| 2965227820 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX Borrower called was advised of payment due. Borrower made a payment on the phone.<br> REASON FOR DEFAULT: The reason for default is payment adjustments.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/14/2019 |
| 2965227558 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for foreclosure status<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965226895 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is unavailable. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/08/2019 |
| 2965226995 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called, asked for payment. Customer was provided with Western Union information and wiring instructions. Reinstatement figures will be available XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is NOS/sale pub.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/17/2019 |
| 2965227039 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to request loan documents; third party authorization.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/09/2019 |
| 2965227054 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was advised account is in foreclosure without sale date. The borrower was further advised got a new job and wanted to get a modification review and need updated documents to start new review. The borrower was informed two more bank statement extension letters for XXXX are needed and can fax at any branch.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. Service was completed XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is vacant.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/25/2019 |
| 2965227555 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. CRM contacted borrower to advise that docs were received for modification review and that the Underwriter would need to review them<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. Unable to determine the next projected foreclosure step.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965227208 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in regarding modification review. The borrower was advised of the Notice of Intent expiration and stated that they were unaware that they were XX payments past due. The borrower was unable to make a payment.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/16/2019 |
| 2965227766 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and stated mother is having medical issues and trying to get a loan to bring account current. Representative gave loss mitt information request 2 bank statements.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is NOS/sale pub.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been denied for modification. The denial reason is stated as Unresponsive (no mod relevant docs submitted).<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227868 | 2 | [2] Evidence of deceased borrower(s).<br>[2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: Deceased borrowers....date of deaths ... XX/XX/XXXX and XX/XX/XXXX. | 07/31/2019 | 07/13/2019 |
| 2965227862 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer advised the borrower of the status of the foreclosure and verbally provided reinstatement figures. The borrower to follow up with the updated reinstatement figures to bring the loan current.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is court delay. The next projected foreclosure step is service. Per comments dated XX/XX/XXXX, the foreclosure is on hold due to service delay.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227411 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Associate made contact with borrower advising of the total amount due and the breakdown of the amount. Borrower was informed of what documents were required and would not listen to associate. Borrower stated they are not able to leave the property to fax and associate informed they would send a return envelope.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is service.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965226798 | 2 | [2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show borrower contact regarding modification trial payment. Servicer advised borrower to continue making payment on trial. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently in an active trial to modification plan. Modification documents mailed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: Modification documents mailed XX/XX/XXXX. | 07/31/2019 | 07/10/2019 |
| 2965227872 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. A caller, who was listed as authorized when the borrowers were living called to inquire on the loan. No information was provided. The number to the department the borrower should contact to give information that the borrower are deceased was given to the caller. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/28/2019 |
| 2965227550 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965227382 | 2 | [2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Agent spoke with authorized third party and advised approval of loan mod. Advised the payment is $X.XX and documents due XX/XX/XXXX. ATP advised she was in the middle of meeting and will send documents back shortly. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is unavailable. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965227826 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower requested a new reinstatement as the previous reinstatement expired. Borrower confirmed that rfd is short term.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is sale.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965227428 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss status of account and regarding Trial Period Plan first payment: $X.XX by XX/XX/XXXX, second payment: $X.XX by XX/XX/XXXX third payment and explained how it works. Rep asked for payment and attempted to recap the call and advised a follow up. Rep attempted to provide contact information.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is modification/short sale pending. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227446 | 3 | [3] Loan is in Foreclosure<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make trial payment Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is modification/short sale pending. The next projected foreclosure step is first legal/NOD. XX/XX/XXXX- Litigation Hold- DOT missing statutory power of sale language. XX/XX/XXXX XXX Instructed Attorney to move forward- no authorization for Attorney to place litigation holds<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently in an active trial to modification plan.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227118 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in returning call discuss trial mod offer borrower made payment for $X.XX for XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/29/2019 |
| 2965227137 | 2 | [2] Currently Delinquent Mortgage<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965227713 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to schedule the third installment payment for the Trial modification.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: The loan is currently approved for modification however there is no evidence the modification has been completed.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227386 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to go over loss mitigation options. Advised to call back when he decides which workout option he'd like to do<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is missing documents. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965226889 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to the borrower and discussed signing the final loan modification documents. A follow up was scheduled for XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently under review for modification however documents are missing to complete the review process.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227015 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX Borrower returned a call. Borrower was advised final modification is closing. Borrower was also advised the progress of the Modification and the next steps.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. XX/XX/XXXX Commentary states Bankruptcy discharged.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/16/2019 |
| 2965227847 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to complete her financials as wants to keep property. The borrower provided a reason of default as reduction of income. The borrower didn't have income to cover the monthly payment as was assisting family regarding a rental property...during the process of assisting family didn't have a full-time position which currently seeking. The borrower intentions are to continue making monthly payments on the loan. A reinstatement for the borrower was ordered and financial were taken. The borrower stated property is a coop with a monthly fee of $X.XX a month including property taxes.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently under review for modification however documents are missing to complete the review process. Collection comments dated XX/XX/XXXX indicate borrower has 30 days to reply to solicitation letter by sending one of more required modification document(s) to proceed to active retention status.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/29/2019 |
| 2965227689 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227564 | 3 | [3] Loan is in Foreclosure<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party borrower's spouse called in to request assumption papers be sent. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/12/2019 |
| 2965227240 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/10/2019 |
| 2965227033 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in payment for $X.XX for today.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently in an active trial to modification plan.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/05/2019 |
| 2965227344 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965226880 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talk to borrower regarding TAD borrower states been out of work for over 1 year will make payment middle of XX/XXXX and states is currently looking for work.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/03/2019 |
| 2965227507 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Welcome call completed. The representative advised of documents needed and also advised of follow-up. The borrower has not received the fedex packet. The representative transferred the call to business loan department to assist with status of loan.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: This property is located in a XXX disaster area due to XXX noted on XX/XX/XXXX. No damages were reported. | 07/31/2019 | 07/01/2019 |
| 2965227706 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower gave 24 hour authorization for third party.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/12/2019 |
| 2965227431 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was called on XX/XX/XXXX to explain how to complete the package and the timeline for returning the modification documents.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/09/2019 |
| 2965227390 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. Prior case# XXX was discharged on XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/10/2019 |
| 2965227092 | 2 | [2] Currently Delinquent Mortgage<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965226907 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a trial payment.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently in an active trial to modification plan.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227019 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is sale.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/13/2019 |
| 2965227758 | 2 | [2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they will make a payment of $X.XX at the bank branch. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: One of the borrower is deceased, date unknown. | 07/31/2019 | 07/15/2019 |
| 2965227038 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in states made payment last week.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/22/2019 |
| 2965226922 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 05/28/2019 |
| 2965227567 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called made payment of $X.XX<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965227268 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was approved for trial modification, set up XX payment XX/XX/XXXX in the amount of $X.XX, the borrower wanted to set up the XX trial payment but was at work and had to go.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was dismissed on XX/XX/XXXX.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/17/2019 |
| 2965227719 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/10/2019 |
| 2965227679 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/25/2019 |
| 2965226864 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX the customer called in and chooses a capital modification not the disaster modification. there was a prior permanent modification, also provided a payment of $X.XX for XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is unavailable. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/25/2019 |
| 2965227167 | 3 | [3] RFD - Borrower Illness<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX call was in reference to status of account. Borrower was advised trial plan was completed and final Modification documents are awaiting to be generated. Borrower was also advised of closing process and will follow up on XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. XX/XX/XXXX Commentary states Bankruptcy discharged.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965227237 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The representative advised about verbal and written authorization and the borrower will call back once has spoken with the authorized third party.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/01/2019 |
| 2965226970 | 3 | [3] Borrower(s) represented by counsel.<br>[3] Collection comments are missing or incomplete.<br>[3] RFD - Borrower Illness<br>[2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss loan status, agent advised that loan was in active foreclosure with no sale date but that it could be added at any time. Borrower request reinstatement figures and stated that she would call back to provide financials<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is bankruptcy filing. The next projected foreclosure step is first legal/NOD. fcl on hold due to bk filing XX/XX/XXXX.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/11/2019 |
| 2965227809 | 3 | [3] Loan has evidence of title issue(s). | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Processed a phone payment in the amount of $X.XX effective XX/XX/XXXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is evidence of title issues with the property. Comments on XX/XX/XXXX indicate there is a prior deed of trust on title. There is no evidence the issue has been resolved.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/29/2019 |
| 2965227799 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Notes indicate the servicer called the borrower to advised of sending the Request for Modification Agreement application along with the supporting documentation needed, (income & assets documents).<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/02/2019 |
| 2965226805 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and made a partial payment on their account.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/15/2019 |
| 2965227401 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and advised he has his reinstatement funds ready to send in. He just had some questions about if he need to send the fund with a signature confirmation or not. Rep advised the borrower it will benefit him if he request signature confirmation. Rep confirmed that the borrower was given a correct reinstatement amount. Rep advised must have loan # and his name printed on the cashier check. Borrower wanted to know if he needs to endorse his cashiers check. Borrower will be sending it overnight today. Rep advised to endorse the check.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/28/2019 |
| 2965227228 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/28/2019 |
| 2965227170 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 05/23/2019 |
| 2965227753 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: It appears based on the collection comments there was a in foreclosure status at one time. The foreclosure was referred to an attorney on XX/XX/XXXX and closed on XX/XX/XXXX. | 07/31/2019 | 06/18/2019 |
| 2965227662 | 3 | [3] Collection comments are missing or incomplete.<br>[3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay $X.XX drafting on XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/04/2019 |
| 2965227027 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/18/2019 |
| 2965227569 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 03/28/2019 |
| 2965227447 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/15/2019 |
| 2965227280 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower advised that she didn't know when she could make a payment and that she is trying to refinance the loan. The borrower confirmed owner occupancy and the intention to retain the property. She said that she may end up having to sell the property because the taxes are so high.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is release from stay granted. The bankruptcy was dismissed on XX/XX/XXXX. The proof of claim was filed XX/XX/XXXX. A motion for relief was filed XX/XX/XXXX. A Chapter XX was also filed on XX/XX/XXXX and dismissed on XX/XX/XXXX. Another Chapter XX was also filed on XX/XX/XXXX and discharged on XX/XX/XXXX.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable. The first modification was completed effective XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Sale of Property.<br> ADDITIONAL INFORMATION: A XXX hold was placed on XX/XX/XXXX, out of scope. | 07/31/2019 | 06/26/2019 |
| 2965227765 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to follow up on assistance options but then stated will go to portal for assistance review.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/18/2019 |
| 2965227722 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/20/2019 |
| 2965227751 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment of $X.XX.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/19/2019 |
| 2965227258 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The representative informed the borrower of payment missing in XXX. Asked about bankruptcy discharged.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. Commentary dated XX/XX/XXXX indicate that the BK ch XX filed XX/XXXX and was discharged XX/XXXX and ch.XX filed XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/01/2019 |
| 2965227605 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/23/2019 |
| 2965227193 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: Per comments loan boarded as borrower was deceased but unable to locate the death certificate but XXX states that the borrower is not deceased. Unable to determine deceased borrower . | 07/31/2019 | 07/29/2019 |
| 2965226834 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment and the servicer advised them of documents needed for modification review.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/01/2019 |
| 2965226847 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/14/2019 |
| 2965226974 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in states he is waiting on check and will bring account current once he receives it.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/01/2019 |
| 2965226848 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Notes indicate the borrower called to go over regular documentation and to make a payment. The agent processed the Electronic Payment process and advised the borrower of the payment confirmation number.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: The loan is currently in an active trial to modification plan. Notes indicate the trial payments started on XX/XX/XXXX for $X.XX and continued through XX/XX/XXXX with the next payment due on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/21/2019 |
| 2965227856 | 3 | [3] Collection comments are missing or incomplete. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/03/2019 |
| 2965226898 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Advised borrower of short and long term options and asked for payment. Borrower informed they get paid on the last Friday of every month.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/26/2019 |
| 2965227046 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was informed that the permanent documents was received on XX/XX/XXXX and pending quality control. The representative also informed the borrower of the next payment due on XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently approved for modification however there is no evidence the modification has been completed. Commentary dated XX/XX/XXXX indicate the loan is in active modification and is also pending quality control.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: This property is located in a XXX disaster area due to XXX noted on XX/XX/XXXX. No damages were reported. | 07/31/2019 | 07/30/2019 |
| 2965227442 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make sure paystubs received.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/19/2019 |
| 2965227855 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower advised that notice was received the property is going into foreclosure, advised no sale date.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is unavailable. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/24/2019 |
| 2965227263 | 3 | [3] Collection comments are missing or incomplete. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower, borrower stated that he recently made a payment towards his escrow and had questions regarding escrow payments transferred call to customer service<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/15/2019 |
| 2965227366 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower stated a payment will be made this week.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/19/2019 |
| 2965227563 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/18/2019 |
| 2965226933 | 3 | [3] Collection comments are missing or incomplete. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. CRM contacted borrower who then scheduled payment iao $X.XX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/29/2019 |
| 2965227388 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower, borrower stated she is going to pay 1 installment by XX/XX/XXXX and she is not interested in a modification<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/19/2019 |
| 2965227123 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to discuss potential workout options.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/27/2019 |
| 2965227867 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in payment.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/01/2019 |
| 2965227874 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated is mailing first trial payment.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently in an active trial to modification plan. Commentary dated XX/XX/XXXX indicate the account is currently approved for a workout resulting in the application of the warning code 4.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/23/2019 |
| 2965227119 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 05/31/2019 |
| 2965227639 | 3 | [3] Loan is in Foreclosure<br>[3] The Foreclosure is contested. | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The homeowner wanted to confirm that the first trial payment of $X.XX was received on XX/XX/XXXX. The agent confirmed its receipt and advised that the 2nd trial payment is due for XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is current loss mitigation in place. The next projected foreclosure step is judgment. The borrower filed a general denial answer; and the plaintiff will address the answer in the motion for summary judgment per notes dated XX/XX/XXXX.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is release from stay granted. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. The proof of claim was filed XX/XX/XXXX. A motion for relief was filed XX/XX/XXXX.<br> MODIFICATION: The loan is currently in an active trial to modification plan.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/31/2019 |
| 2965227580 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is vacant.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/23/2019 |
| 2965227210 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to confirm methods of payment advised would have t use checking account or cash at the branch.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/07/2019 |
| 2965227866 | 3 | [3] RFD - Borrower Illness<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and said made a payment of $X.XX and will make another payment the following week. was in the hospital<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/11/2019 |
| 2965227229 | 3 | [3] Collection comments are missing or incomplete.<br>[3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to request print outs of payments for all months. The servicer advised of customer service number and transferred borrower to customer service<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is other - Document Procurement Execution. The next projected foreclosure step is sale.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. A motion for relief was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/24/2019 |
| 2965227518 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: The loan has been modified. The modification date is unavailable. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/25/2019 |
| 2965227070 | 3 | [3] RFD - Borrower Illness<br>[2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/15/2019 |
| 2965227728 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower discussed payment arrangements and both long term and short term options with the servicer. The borrower stated that their spouse had been ill and have had an increase in medical expenses.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/03/2019 |
| 2965226920 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called asking if there is anything can do to bring the account current. The borrower was advised making two full payments a month will help to bring the account up to date a lot sooner. The borrower stated already been through a modification less than twelve months ago. The borrower further stated will make two mortgage payments every month starting this month for a total of $X.XX. The representative stated will follow-up when update is available.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/01/2019 |
| 2965227557 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was contacted and asked for payment and stated they they were unemployed for 6 months and looking for another job and the co-borrower's pay had been reduced. Advised them what the total amount due was.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/22/2019 |
| 2965227345 | 3 | [3] RFD - Borrower Illness<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment promise on the acount.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable. Prior mod XX/XX/XXXX XX/XX/XXXX<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/15/2019 |
| 2965226949 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/25/2019 |
| 2965226806 | 3 | [3] Collection comments are missing or incomplete. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was advised to continue to make trial payments until perm mod docs were issued.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/29/2019 |
| 2965227066 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in payment for $X.XX for today.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/29/2019 |
| 2965226862 | 3 | [3] Loan is in Foreclosure<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comment dated XX/XX/XXXX borrowers' son was at a branch regarding the quit claim deed showing they are the one that should get the house and is living in the property amd information was provided to the son. Borrower is deceased and ---. The date of death is XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is servicer delay other. The next projected foreclosure step is judgment. Projected hold end date XX/XX/XXXX no other info provided.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. Case was terminated on XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: XX/XX/XXXX Deceased borrower XXX date of death XX/XX/XXXX; and deceased borrower XXX date of death XX/XX/XXXX. | 07/31/2019 | 07/01/2019 |
| 2965226814 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower discussed fees incurred and options to repay fees.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/22/2019 |
| 2965226797 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/25/2019 |
| 2965226823 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, outbound call. The borrower was contacted and informed about loan status. The agent informed borrower that the loss mitigation treatment was pending.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The first legal was completed XX/XX/XXXX. Service was completed XX/XX/XXXX. Judgment was entered XX/XX/XXXX. The current foreclosure is on hold and the hold reason is current loss mitigation in place. The next projected foreclosure step is sale. Sale for XX/XX/XXXX cancelled due to loss mitigation.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently in an active trial to modification plan. Per notes dated XX/XX/XXXX Trial offer was uploaded<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/01/2019 |
| 2965227850 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to see why there is a payment variance and was advised that annual rate change occurred and rate went from XX to XX%. The servicer gave them total amount due and asked for payment.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 05/02/2019 |
| 2965226809 | 3 | [3] Collection comments are missing or incomplete.<br>[3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/05/2019 |
| 2965227012 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower advised the representative will send the documents soon.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/01/2019 |
| 2965227053 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is filed/under plan. The Chapter XX plan was confirmed on XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 05/31/2019 |
| 2965226885 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Outbound call to authorized third party processing a payment in the amount of $X.XX. Discussed general account information and long and short term options<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/22/2019 |
| 2965226838 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/25/2019 |
| 2965227060 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer provided the borrower with basic account information, next payment due XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 05/28/2019 |
| 2965227010 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Outbound call to borrower to discuss the account. Asked for payment, but borrower stated that they made a $X.XX payment already and asked for late fee to be waived and was advised that that they had other late fees within the last XX months. Also advised of long and short term options, and that collection activities would continue<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is vacant.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/27/2019 |
| 2965227018 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The last contact was made on XX/XX/XXXX, in which the borrower had an account inquiry and indicated would drop off a payment in the branch on XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/27/2019 |
| 2965227024 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 04/01/2019 |
| 2965227512 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a commitment to pay $X.XX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/04/2019 |
| 2965227798 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/15/2019 |
| 2965227336 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. THe borrower called in to discuss the status of the modification and was advised that the loan is with the underwriter.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/01/2019 |
| 2965227803 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower returned a call and was advised that they had been approved for a modification trial plan. The trial plan dates and amounts were discussed.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The first legal was completed XX/XX/XXXX. The current foreclosure is on hold and the hold reason is current loss mitigation in place. The next projected foreclosure step is sale.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. The proof of claim was filed XX/XX/XXXX. A motion for relief was filed XX/XX/XXXX. Chapter XX was filed on XX/XX/XXXX and was dismissed on XX/XX/XXXX. A second Chapter XX was fled on XX/XX/XXXX and was dismissed on XX/XX/XXXX. The third bankruptcy filing was a Chapter XX in XXXX, which was reinstated on XX/XX/XXXX after it had been dismissed on XX/XX/XXXX. This Chapter XX bankruptcy was converted to a Chapter XX bankruptcy on XX/XX/XXXX. Loan was ineligible for reaffirmation because the Chapter XX converted to a Chapter XX while the loan was delinquent. Motion for Relief was granted on XX/XX/XXXX, effective XX/XX/XXXX. It was discharged on XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: A modification was declined in XX/XXXX because the borrower didn't send in the required documentation. As of XX/XX/XXXX, the borrower is in an active modification trial plan with payments due XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The foreclosure was placed on hold as a result of the modification trial plan. | 07/31/2019 | 07/11/2019 |
| 2965227318 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX. Prior case # XXX, Chapter XX discharged on XX/XX/XXXX, case # XXX, Chapter XX filed XX/XX/XXXX and discharged XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/31/2019 |
| 2965226926 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding escrow statement received and borrower states he wants to chose the option # 2 which states payments will be $X.XX a month.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 05/15/2019 |
| 2965227180 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in regards to regular documentation.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: The loan modification was denied on XX/XX/XXXX due to the borrower is not eligible. | 07/31/2019 | 07/01/2019 |
| 2965227537 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in payment for today.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was dismissed on XX/XX/XXXX. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/01/2019 |
| 2965227711 | 2 | [2] Currently Delinquent Mortgage<br>[2] Evidence of deceased borrower(s). | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and ---. The date of death is unknown.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is unavailable. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/29/2019 |
| 2965226856 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: <br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/15/2019 |
| 2965227176 | 3 | [3] Collection comments are missing or incomplete.<br>[3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. Service was completed XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/28/2019 |
| 2965226827 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently approved for modification however there is no evidence the modification has been completed.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/22/2019 |
| 2965227777 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to get options to bring account current.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/15/2019 |
| 2965226956 | 3 | [3] Collection comments are missing or incomplete. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower, borrower she requested a call back today to advise if she will accept the permanent modification<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is unavailable. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/29/2019 |
| 2965226828 | 3 | [3] Collection comments are missing or incomplete.<br>[3] RFD - Borrower Illness<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower, borrower stated she has been ill and she is trying to see what she need to do to get loan back on track. Borrower stated that she will be trying to bring the loan current<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/12/2019 |
| 2965226836 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and made a partial payment, and stated they'd have funds available to make another payment on XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/28/2019 |
| 2965227577 | 3 | [3] Collection comments are missing or incomplete. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss unapplied funds.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/18/2019 |
| 2965227082 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer was contacted and advised of the requested a repayment plan, to which the customer was told that they did not qualify, but that they could pay additional monthly<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: <br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/26/2019 |
| 2965226873 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to check on the status off the account. The borrower was advised on total amount due for XXX, XXX, and XXX payments in the amount of $X.XX. The borrower stated will try and bring the account current soon<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/01/2019 |
| 2965227132 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and was advised that payment posted and declined future payment.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently under review for modification however has not yet been approved.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/01/2019 |
| 2965227669 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Notes indicate the borrower called to advise of information on the paid tax bill.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/21/2019 |
| 2965227683 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower advised of the loan modification denial and offered liquidation options. Borrower stated that they want to sell but has not been able to. Also claims that if property goes to foreclosure then borrower will get attorney<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> EXIT STRATEGY: The recommended exit strategy is Short Sale.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/27/2019 |
| 2965227804 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was contacted to discuss payment arrangements.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was dismissed on XX/XX/XXXX. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/23/2019 |
| 2965227646 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/26/2019 |
| 2965227736 | 3 | [3] Collection comments are missing or incomplete.<br>[3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The representative informed the borrower that spoke with the underwriter and that the application that we downloaded today was incorrect one and would overnight the borrower the correct application to complete and return. The representative advised the borrower that it their decision if wanted to send the tax return separately or send everything together, but informed the include the loan number on all pages.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The current foreclosure is on hold and the hold reason is court delay. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently under review for modification however documents are missing to complete the review process. Commentary dated XX/XX/XXXX indicate that the underwriter need the missing documents (application and tax return) for the modification review.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/25/2019 |
| 2965227274 | 3 | [3] Collection comments are missing or incomplete. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/15/2019 |
| 2965227516 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower discussed next payment due date.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/30/2019 |
| 2965227830 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was advised they needed explanation on 2 deposits, the borrower stated they cashed out on life insurance.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/01/2019 |
| 2965227878 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower. Borrower called in to make a payment by phone in the amount of $X.XX effective on XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/30/2019 |
| 2965227693 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is vacant.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: At the time of my review, the keyword tab was blank. | 07/31/2019 | 09/19/2019 |
| 2965227016 | 3 | [3] Collection comments are missing or incomplete. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/28/2019 |
| 2965227641 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/30/2019 |
| 2965227498 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/31/2019 |
| 2965227710 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in an canceled the payment for $X.XX and set up payments for $X.XX drafting on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/29/2019 |
| 2965227312 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower, advised borrower of foreclosure status also advised borrower that assistance is not guarantee<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 08/09/2019 |
| 2965227700 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in regarding wanting to reverse one the payment made in XXX. Service reached out to payment research to have the payment reversed.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is unavailable. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/12/2019 |
| 2965227781 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and wanted to talk about the mailer that was on their door. Advised the borrower again that they were denied for a modification and the borrower stated they were not interested in selling their home.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: The loan does not appear to be in foreclosure. | 07/31/2019 | 07/09/2019 |
| 2965227527 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Welcome call completed. The representative advised the borrower that foreclosure is in process and a sale date can be issued at any time. The financials needed per underwriter notes were discussed the borrower. The representative advised the borrower that the home retention review process can take approximately 30 days, but will not start until borrower have submitted a complete application package. Received a verbal-borrower discuss large withdrawal, from bank is a 2-hour drive from the home and draws enough funds to last.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. Service was completed XX/XX/XXXX. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is judgment.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/08/2019 |
| 2965227107 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/20/2019 |
| 2965226940 | 3 | [3] Collection comments are missing or incomplete.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY: The recommended exit strategy is Reinstatement.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 05/26/2019 |
| 2965227309 | 3 | [3] Borrower(s) represented by counsel.<br>[3] Collection comments are missing or incomplete.<br>[3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/28/2019 |
| 2965227360 | 3 | [3] Loan is in Foreclosure | LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: <br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is sale.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is release from stay granted. The proof of claim was filed XX/XX/XXXX. A motion for relief was filed XX/XX/XXXX.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Foreclosure - REO.<br> ADDITIONAL INFORMATION: Per servicer, there is no title issue - The issue cited has either been resolved or was determined to not be an exception as noted. Foreclosure servicing notes from XX/XX/XXXX indicate there is a title issue due to missing interest. The property was owned by both parties per deed recorded XX however only XX is on mortgage XXX. On XX/XX/XXXX, a Notice of Default letter from XXX was provided to the borrower indicating a stipulation was filed through the bankruptcy stating creditor may submit a Certificate of Non-Compliance if debtor fails to make payments. By XX/XX/XXXX, XXX had sent the Notice of Default to the borrower for non-compliance of the bankruptcy payment plan. As of XX/XX/XXXX, the foreclosure file was closed due to reinstatement. Supporting documentation uploaded as XXX. | 07/31/2019 | 07/01/2019 |
| 2965227696 | 3 | [3] Collection comments are missing or incomplete. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to advise that more documents were sent in and was advised they would be reviewed.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 06/27/2019 |
| 2965227294 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: <br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer discussed the trial modification agreement with the borrower and the borrower stated they would call back to make the first trial payment.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: The loan is currently in an active trial to modification plan. The account was approved for a trial payment plan. The borrower advised they would make the first trial payment on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is Modification.<br> ADDITIONAL INFORMATION: N/A | 07/31/2019 | 07/11/2019 |
| 2965227860 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and scheduled a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is inability to rent property.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is excellent. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/24/2019 |
| 2965227396 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and provided the total amount due. Borrower advised could not do the $X.XX for the last payment this month. Borrower will pay $X.XX next month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227440 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Welcome call completed; borrower was advised that payment made to prior servicer would be sent in a couple of weeks.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227472 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to confirm that we received the hoa documents, she was advised that we hadn't received any hoa documents and she insisted she only wanted the fax number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227350 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to change EZ PAY date from XX/XX/XXXX to XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965226989 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 03/07/2019 |
| 2965227653 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss repayment plan that was set up. Borrower scheduled a payment in the amount of $X.XX. Borrower also discussed misapplied payment with the agent and having the credit reporting corrected.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is payment adjustments.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227385 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227131 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer contacted the authorized party who stated the reason for default is due to the pay periods when they receive a paycheck, the authorized party scheduled a payment for XX/XX/XXXX in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227509 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the servicer spoke with the borrower and advised that the mod was complete and the next payment due was for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965226918 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. ATP stated that payment would be made but did not provide date<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965227763 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower about payment for XXX. Borrower stated that had some fraud, advised check was returned refer to maker. Borrower will take care of it online. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is fraud.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The commentary dated XX/XX/XXXX reflects a discharged bankruptcy. The case details are not provided.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Borrower date of death was not located in comments. | 08/31/2019 | 08/12/2019 |
| 2965226987 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer called in to make payment arrangements.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227052 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in to schedule payments and discussed the forbearance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is servicing problems.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/17/2019 |
| 2965227635 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower regarding the payment that is due and borrower stated will call back around 5 pm to make payment. Borrower declined scheduling today.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227374 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227604 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower authorized a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227438 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower authorized a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is servicing problems.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227261 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer spoke with the borrower and took a promise to pay. The borrower previously stated in XX/XXXX and XX/XXXX they were in the hospital and were scheduled to be there through XX/XXXX; borrower was said to be paralyzed and on disability.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965226868 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower completed welcome call with the agent.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227699 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer son called in and expressed concern that the investor were harassing his father(borrower) by calling daily. The agent advised that they follow guidelines. The agent updated the account, tracked complaint and a payment was processed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965227465 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment in the amount of $X.XX. Borrower stated family illness is the reason for delinquency.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965226846 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to pay<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227257 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make payment iao $X.XX and was provided confirmation number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227610 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in to go over the monthly statement and repayment plan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227853 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower refused to set up the payment over the phone and stated they will call back on XXX to make the payment when the funds are in the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227043 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower authorized a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/12/2019 |
| 2965227738 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called regarding the account status and scheduled a payment of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227270 | 2 | [2] Payoff has been requested within the last 60 days | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. ATP called in to advise that borrower plans to reinstate instead of paying off loan. Agent advised that payoff would be sent same day<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227690 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in stating the mailed in 1 payment in the amount of $X.XX on XX/XX/XXXX. That payment covers XXX. Borrower stated they will send in a reinstatement payment by mid XXX. They will obtain a personal loan from their retirement account. Reason for default is excessive obligations.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227165 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was notified that their payment in the amount of $X.XX was successfully submitted.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/23/2019 |
| 2965227560 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented<br>[1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they have an ongoing dispute and they are not paying the XX/XX/XXXX installment. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. The borrower made payment dispute and requested a payment history from XX/XXXX to current, due to the account reflecting XX payment behind the servicer explained the XX/XX/XXXX payment was returned prior to the ACH being set up therefore one payment is off since that time.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227532 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to discuss escrow overage and applying it to monthly payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227485 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to get in contact with SPOC. The rep emailed spoc to let them know and noted that borrower had been in the hospital.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965226994 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and advised that spouse will be making a payment by end of week.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227317 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to confirm the XX/XX/XXXX payment has posted and the on for XX/XX/XXXX is scheduled to draft on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227305 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower expressed excessive obligations, scheduled a payment of $X.XX, and discussed options for the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/19/2019 |
| 2965227839 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment and state that they mailed their last payment minus $X.XX. Borrower requested to have the late fee waived.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/04/2019 |
| 2965227206 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower stated will look to make a payment and a half this month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227061 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and welcome call was completed. Borrower confirmed payment amount and due date. Borrower confirmed they fell behind and will make payment next week.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227008 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/24/2019 |
| 2965227634 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment but due to the account being XX months past due was not able to fully assist borrower. Transferred to collection department.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226883 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Welcome call information provided and borrower promised to pay<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227658 | 3 | [3] Current Bankruptcy - no relief granted | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower called and wanted to confirm the receipt of their payment. The servicer confirmed that payment was received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX. A motion for relief was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227841 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in a payment of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965226803 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Unauthorized third party called in wanting online account information. Rep informed the called they needed authorization from the borrower before any account information can be obtained. Called hung up ending call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227436 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about mod<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965226874 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/24/2019 |
| 2965227632 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a promise to pay on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/05/2019 |
| 2965227726 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer was explained the modification process and ability to use online services to help assist.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227824 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to pay and discussed hardship<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227462 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized party called to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227864 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. The case has not yet closed.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The loan was modified by the prior servicer; effective XX/XX/XXXX. | 08/31/2019 | 10/03/2019 |
| 2965227145 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower accepted a post dated payment for XX/XX/XXXX and informed of waiting on funds to try to make another payment be end of month. The borrower declined a repayment option due to the inability to pay one and a half payments for the next XX months.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965227343 | 3 | [3] Mortgagor Working w/ 3rd Party Group | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the third party XXX called in requesting to speak with the single point of contact. The third party called in with an escrow question. The representative stated they would call them back with more information. The representative called the third party back and confirmed that they would research the insurance question. On XX/XX/XXXX, the servicer spoke with the third party about how the account became delinquent and how full payments were not received. The third party stated the borrower would bring the account current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/19/2019 |
| 2965227501 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Third party called about general loss mitigation inquiry.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Foreclosure dismissal filed per notes on XX/XX/XXXX. | 08/31/2019 | 10/07/2019 |
| 2965226801 | 3 | [3] Verbal Dispute - No indication servicer ever responded and appears issue still active<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the Borrower's contact was via an inbound call to make a one time draft payment in the amount of $X.XX with an effective date of XX/XX/XXXX via the automated system.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is not resolved and the status indicates No indication servicer ever responded and appears issue still active. On XX/XX/XXXX, the Borrower's contact was via an inbound call to dispute the payment. The borrower states the property is owner-occupied and has intention of retaining it. The Borrower stated that was not prepared to make a payment that day and that was aware that XX/XX/XXXX and XX/XX/XXXX was due.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965227211 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and was advised that his final documents were received and the modification was completed. The borrower was also advised of credit reporting.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227779 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower requested a deferment of three months.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965227576 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower spoke with the servicer about the terms of the trial plan agreement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/25/2019 |
| 2965227292 | 3 | [3] There are indications of fraud on the loan.<br>[2] Loan is in Bankruptcy<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented<br>[1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the last contact was from a third party inquiring about payment made on the account; transferred to Bankruptcy department. On XX/XX/XXXX, there was an inbound call and a voicemail was left to Loss Draft. The call was returned on the same day, got voicemail.This issue continues to be reopened/on going dispute. As of XX/XX/XXXX, Ex-Spouse of Borrower who was awarded the property, states an unlicensed contractor did the repairs on the property and was paid directly by the ex-spouse. The Ex-Spouse of Borrower states the contractor did not do all the work and the Insurance company paid them directly over $X.XX. The Ex-spouse of the Borrower states the check should not be under Borrower's name. The final inspection for repairs is on file. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Contractor/Loss Draft funds. The dispute is not resolved and the status indicates Servicer responded and appears issue is closed. This is a Dispute between the Borrower and the chosen Borrower's contractor for a loss draft claim amount. The final disbursement has been made by the Service. The response from the Servicer is that the Servicer does not get involved in issues between the Contractor and the Borrower. As of XX/XX/XXXX, the Borrower informed the Insurance company will be in contact.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. Proof of Claim "POC" ready to be filed; deadline XX/XX/XXXX. Status Hearing date on XX/XX/XXXX. Previous Bankruptcy Chapter XX Case No. XXX; dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227724 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower spoke with the servicer. They discussed payment amounts and the amount due. The borrower made a payment. On XX/XX/XXXX, the borrower called in about a refund they received from their insurance company.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227606 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower called in and made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227647 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was called to collect the outstanding payment; the borrower was advised of their escrow shortage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965227877 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to confirm receipt of overnight payment, agent advised that payment had been received and to allow time for processing.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227225 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called about a deferment letter.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965227358 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to advise that previously scheduled payment would not go thru due to account not having funds. Borrower stated that he would call back next day to see what options were available<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227007 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227626 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they would have the documents today sent to the servicer.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227734 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was contacted to collect XXX and XXX payments. Borrower states that they are working with a loss mitigation representative on a possible repayment plan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227685 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower scheduled a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227818 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer contacted the borrower and the borrower made a payment in amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227310 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss the issues they have had with their payments since XX/XXXX. Borrower's payments have been one month behind since that time.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is servicing problems.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227762 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to request mortgage assistance. The agent went over the repayment option with the borrower starting on XX/XX/XXXX for the next XX months of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/21/2019 |
| 2965227504 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower advised that he would make payment after completing the sale of his late father's vehicle<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of family member.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/04/2019 |
| 2965227668 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding account status. Agent advised borrower that loan was current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227617 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and stated was unable to pay online. The agent advised due to insufficient funds the payment had to be made via certified funds.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227384 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower emailed account manager advised of intent to overnight cashiers check and requested overnight mailing address.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227075 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a one-time draft payment by phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227050 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was advised of modification documents being sent out.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/23/2019 |
| 2965227399 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to co-borrower who promised to pay $X.XX, effective XX/XX/XXXX, and stated will try to make another payment by end of month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is marital difficulties.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227729 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and made a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227845 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227426 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower indicated they suffered a temporary medical issue. A promise to pay was made.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227871 | 1 | [1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to verify that the payment that they made online was received. Borrower also asked for the amount needed to reinstate the loan.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. The borrower submitted a dispute due to their payment being misapplied.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227869 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227429 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower scheduled a payment for next Friday.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227829 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower scheduled a payment by phone. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227278 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower scheduled a payment by phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227548 | 3 | [3] RFD - Borrower Illness<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay on XX/XX/XXXX the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965227464 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called about modification. Borrower was advised loan current and previously modified and may not qualify. Borrower stated hardship was change of job and now self employed. Borrower was advised that if approved for modification may not lower payments and advised of refinance for better rates, deed in lieu, and cash for keys.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227705 | 3 | [3] Damaged Interior - Damage remains unresolved and no indication covered by insurance | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment, citing pay period for the delay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. XXX and XXX damage. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965227335 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states borrower called in to make a payment on the account. Borrower was also advised of when the automatic draft will start to draft.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227226 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was calling about refinance options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is marital difficulties.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227445 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a one-time draft payment via phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227674 | 3 | [3] Cease and Desist Request Received From Mortgagor or 3rd Party<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in set up payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227666 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they wanted to be reviewed for assistance but did not want to start the process for review.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227486 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower informed the servicer on XX/XX/XXXX that the reason for default is a result of excessive obligations.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227381 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to advise that payment was made for month of XXX and payment for XXX would be made by end of the month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is marital difficulties.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227417 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and discussed assistance options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227154 | 3 | [3] Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. XXX damage Property repairs have not started. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Per comment dated XX/XX/XXXX, property is "Non-Owner Occupied" | 08/31/2019 | 09/30/2019 |
| 2965227821 | 1 | [1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. Borrower disputed credit reporting. Servicer updated payment history and issue is resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227357 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make payment<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/12/2019 |
| 2965227499 | 1 | [1] Damaged Exterior - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to verify that the check that they sent in was received. The agent advised that it was received, endorsed and mailed back.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. The borrower referenced an insurance claim on XX/XX/XXXX due to XXX damage. Comments on XX/XX/XXXX indicate a claim check was endorsed and released to the borrower; claim does not appear to be monitored. No indication of the status of the repairs. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227709 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/29/2019 |
| 2965227776 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower advised of foreclosure and sale date. Borrower stated that documents were sent in for review and will contact account manager today for proof that documents were sent.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/01/2019 |
| 2965227660 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage<br>[1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states spoke to borrower and borrower was advised of the total amount due on the loan. Borrower advised of when payments will be made to the account and reason for default.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Debt Valuation. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. Commentary states there was a dispute regarding the debt valuation.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227654 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was advised due for XX payments and still on repay plan. Borrower stated attempting to make the payment by XX/XX and got behind due to being ill and just trying to catch up. Borrower declined to set up phone pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227640 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in a payment. Welcome call complete.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965227630 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227479 | 2 | [2] Currently Delinquent Mortgage<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the Borrower's contact was via an inbound call to make a one time draft payment in the amount of $X.XX with an effective date of XX/XX/XXXX via the automated system.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. On XX/XX/XXXX, the Credit Bureau Dispute was completed requesting to update the account status and payment history; responded to XXX.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227846 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called borrower and verified active bankruptcy and that loan is in the final stage of modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227535 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the Borrower's contact was via an inbound call to make XX/XXXX payment and will call in later this month to make XX/XXXX payment; owner-occupied; intention to retain the property; taking care of parents; reason for default is illness of family; not making payment was an oversight. The Borrower provided the tracking number for the payment sent.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Discharged Bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: A prior modification was completed in XXXX. | 08/31/2019 | 09/25/2019 |
| 2965227619 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227410 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to go over the deferral agreement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965227581 | 2 | [2] Currently Delinquent Mortgage<br>[1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the Borrower's last contact was via an inbound call to return the call. The Servicer informed it was a courtesy call.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is modification. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. On XX/XX/XXXX, the Borrower is not in agreement with the decision of the Appeal for the approval of the modification. mentioned law suit.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Has been on one RePayment Plan after another. | 08/31/2019 | 10/09/2019 |
| 2965227844 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227546 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower stated not a good time to talk, will call back.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227296 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower, discussed general account info- welcome call complete. Borrower said mailed XXX payment and will pay XXX by XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965226817 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was advised of delinquency and stated that payment would be made by the XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227597 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make payment and asked about biweekly payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Property was in XXX disaster area XX/XX/XXXX; no evidence of damages. | 08/31/2019 | 09/30/2019 |
| 2965227290 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer spoke with the borrower on XX/XX/XXXX, and discussed the notice of intent and the borrower's financial situation. The borrower disconnected the call as they were not interested in loss mitigation options. The borrower made a payment on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227692 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the Borrower's last contact was via an inbound call to make a one time draft payment in the amount of $X.XX with an effective date of XX/XX/XXXX and another one time draft payment in the amount of $X.XX with an effective date of XX/XX/XXXX<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227488 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/04/2019 |
| 2965227832 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower advised that the XXX payment will be made.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227291 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show contact with borrower regarding escrow account, borrower advised he received statement in the mail which he has never paid before.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227151 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and stated funds will not be available until XX/XX. Advised borrower will try to stop payment but can't guarantee. Borrower stated will call when fund are available.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/04/2019 |
| 2965226973 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show borrower contact regarding loan status and payments, payment processed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227011 | 1 | [1] Damaged/Occupied/XXX Zone - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire about their payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. XXX damage. Property repairs have not started. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965226845 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227329 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/24/2019 |
| 2965227266 | 2 | [2] Currently Delinquent Mortgage<br>[2] Written Dispute - Servicer responded within 60 days and mortgagor still questioning servicer | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The agent advised the borrower that they were due for XXX and the borrower stated that they sent in proof prev for a payment that we drafted in XXX that had not been credited. The borrower advised that they will review their pay history and bank statements and will send any proof for payment that she has not been credited.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Payment Dispute. The dispute is not resolved and the status indicates Servicer responded within 60 days and mortgagor still questioning servicer. Payment dispute<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227525 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. inbound call to provide a payment in the amount of $X.XX, stated that the reason for past due is a cut of work hours.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965226865 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/27/2019 |
| 2965226791 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower refused assistance options, stating they had called to get a copy of their insurance policy.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227801 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/24/2019 |
| 2965226988 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower scheduled a payment in the amount for XX/XX/XXXX. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: One of the borrowers is deceased; the date of death could not be determined from the comments. | 08/31/2019 | 10/10/2019 |
| 2965227044 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer called and provided a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227837 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer went over terms of repayment plan and stated would submit for approval.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The property is located in an area affected by XXX disaster effective XX/XX/XXXX; no evidence of damages. | 08/31/2019 | 10/10/2019 |
| 2965227152 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented<br>[1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they would apply for a modification. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. The borrower disputed when a payment was processed. The servicer responded and it appears that the issue is closed.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226850 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was contacted regarding deferment request.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/19/2019 |
| 2965226888 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in states made payment for $X.XX with prior servicer online and payment cleared her bank on XX/XX/XXXX. Borrower states was not aware loan was transferred and wanted fax# to send proof.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/13/2019 |
| 2965226998 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227757 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965226795 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/27/2019 |
| 2965226972 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of family member.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226886 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227298 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower stated that she was unable to make extra payment to catch up loan due to being on fixed income. Agent recommended borrower to apply for mod Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227112 | 2 | [2] Currently Delinquent Mortgage<br>[2] Damaged Exterior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the Borrower's last contact was via an inbound call, requested a Spanish speaking agent, to make a one time draft payment in the amount of $X.XX with an effective date of XX/XX/XXXX. the Borrower changed the date from XX/XX/XXXX to XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. As of XX/XX/XXXX, new claim due to XXX damages to XXX. The damage repair amount is estimated at $X.XX. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: On XX/XX/XXXX, the Borrower made the XX/XXXX payment. As of XX/XX/XXXX, XX payments behind. | 08/31/2019 | 09/20/2019 |
| 2965226884 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The agent set up payment for the borrower for XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965226919 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to get scheduled payment amount for the month of XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/25/2019 |
| 2965227081 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to verified if new servicer received the loan payment. The servicer indeed confirm received and provided with the mailing address for loan payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227077 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower stated that a deferment will be requested, borrower will be notified. Unemployment is the reason for delinquency.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226983 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to confirm the payment was received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227377 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment in the amount of $X.XX for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/12/2019 |
| 2965226950 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a promise to pay for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965226893 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower and agent discussed a repayment plan and financial information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227199 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in on XX/XX/XXXX, to discuss their financials with the servicer. The borrower requested a reinstatement quote to withdraw funds from their 401k and reinstate the loan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Comments reflect a discharged bankruptcy no further details provided.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227691 | 2 | [2] Currently Delinquent Mortgage<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states spoke to borrower regarding payment on the account. Borrower scheduled a payment on the account.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. Commentary states borrower is disputing the credit reporting and claims someone else's information is included on credit report. After review, the credit reporting is accurate.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965227337 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower states that the reason for default is due to out of pocket medical expenses. Borrower made a payment for XXX. Borrower state that they can bring the loan current by XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965226952 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to confirm that the fees applied to the account were valid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/24/2019 |
| 2965226964 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer called and provided a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/18/2019 |
| 2965226844 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/25/2019 |
| 2965227430 | 3 | [3] Title / Lien Defect - Mortgagor Deceased - In Probate<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Promise to pay on XX/XX/XXXX in the amount of $X.XX. Borrower is deceased and In Probate. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965226903 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquiry if payment was received. Advised written dispute can be submitted.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965226986 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in- curtailment of income-gave permission to speak to son- wanted to know the website will make online payment today. Ach set up for XX/XX $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Previous XXX Mod completed XX/XX/XXXX- effective XX/XX/XXXX. | 08/31/2019 | 08/28/2019 |
| 2965227037 | 3 | [3] Damaged/Occupied/XXX Zone - Damage remains unresolved and no indication covered by insurance<br>[3] Evidence of environment issues surrounding property.<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party stated that they will make the payment within the grace period. Authorized third party inquired on payment increase and was advised that the interest rate changed on the modification. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Property was impacted by XXX as noted on XX/XX/XXXX. Disaster damage was noted on XX/XX/XXXX. This includes XXX damage to XXX, XXX and XXX. No evidence of claim filed. No evidence of damage repaired. Comment on XX/XX/XXXX reflects that property is uninsurable. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Property was impacted by XXX as noted on XX/XX/XXXX. Disaster damage was noted on XX/XX/XXXX. | 08/31/2019 | 10/09/2019 |
| 2965227823 | 2 | [2] Currently Delinquent Mortgage<br>[1] Damaged/Occupied/XXX Zone - Active insurance claim and funds held by servicer with indication of related contractor bid sufficient to cover repairs | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Servicer advised property inspection is needed to release funds for hazard claim.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Claim filed for XXX damage, date of loss XX/XX/XXXX. Claim funds received XX/XX/XXXX in the amount of $X.XX. File is pending inspection as of XX/XX/XXXX to release funds. The damage repair amount is estimated at $X.XX. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Property was in XXX disaster area XX/XXXX prior to scope, however damages from XXX are still pending completion. | 08/31/2019 | 09/28/2019 |
| 2965226993 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/10/2019 |
| 2965226882 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was advised that all communication needed to go through attorney due to being in active litigation. Borrower states that they sent in the information to resolve this and was upset due to having to speak with agents over an hour.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is average. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/25/2019 |
| 2965227629 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the servicer spoke with the borrower and scheduled XX payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226857 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/29/2019 |
| 2965227299 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a promise to pay by XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965226908 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made a payment in the amount of $X.XX<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226948 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227073 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was called regarding upcoming payment. The borrower requested to change payment draft date to XX/XX/XXXX. The borrower was advised that he has XX remaining RPP payments left.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226978 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area.<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to schedule a payment, but informed of not having funds available until the following day. The borrower informed of being a school teacher and would not know details of being paid until the following month. The borrower declined discussing workout options. The borrower also called to follow up on the confirmation of the payment and stated intention to make a payment within the next few weeks.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Loss Mit Dispute. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. Borrower was disputing the foreclosure. A modification was approved to resolve the issue<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227157 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965226793 | 3 | [3] Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair<br>[2] Currently Delinquent Mortgage<br>[1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and made a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. Borrower had a payment dispute. On XX/XX/XXXX the borrower was educated on the delinquent pay history prior to the modification. The borrower was also advised that the loan has remained 30 days delinquent since the modification as well.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. XX/XX/XXXX Claim did not cover XXX damages and unable to determine if XXX was repaired. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The commentary reflects that subject property is located in a XXX Disaster declared area due to XXX. All damage repaired, funds disbursed and the claim was closed. | 08/31/2019 | 09/26/2019 |
| 2965227230 | 1 | [1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer called to discuss the status of the account given the total amount due, stated a curtailment of income is why they are paying past the due date<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is balance dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. balance dispute resolved<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/09/2019 |
| 2965226899 | 3 | [3] Verbal Dispute - No indication servicer ever responded and appears issue still active<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower confirmed the amount received, what is owed and date. The borrower stated that they weren't sure why they received a call and was advised that the XX/XX payment was due and after this date is considered late.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is not resolved and the status indicates No indication servicer ever responded and appears issue still active. Payment dispute<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965226944 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and promised to make payment via internet.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965226958 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and scheduled a payment by phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965226916 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to see why they received a statement; a third party was added to the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/23/2019 |
| 2965226939 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay on XX/XX/XXXX the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227009 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965226808 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized third party called in for payments options and stated that prior delinquency of being unemployed has been resolved as they are back to work.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227153 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called inquiring about last modification as wanting to know if could change due date. Also stated that could be behind for the next two months.m<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227817 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay on XX/XX/XXXX the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965226812 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/30/2019 |
| 2965226831 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to confirm payment had posted and advised of next due XX/XX/XXXX and the amount due.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/05/2019 |
| 2965226876 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay on XX/XX/XXXX the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/17/2019 |
| 2965227005 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party borrower spouse called in payment for $X.XX for today.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/02/2019 |
| 2965227030 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and was advised that the loan was in default with possible referral to Attorney for legal action. Borrower said did not know it was service transfer and requested late fee to be waived. Late fee waived.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965226829 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower authorized a payment inthe amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965226959 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to schedule a payment, advised of website and payment can be completed online. Verified all phone numbers on file for the automatic dialing system.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227570 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and authorized a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/04/2019 |
| 2965227631 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower who called to make a payment and stated is dealing with an ongoing illness. Borrower did not expand on it.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/09/2019 |
| 2965227819 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower scheduled a payment by phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227615 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Borrower called regarding repayment plan questions<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/05/2019 |
| 2965227020 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/09/2019 |
| 2965227870 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227220 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower authorized a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227048 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/09/2019 |
| 2965227519 | 3 | [3] Cramdown Granted.<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states borrower called in regarding inquiry on escrow balance. Borrower was advised that email was sent to single point of contact to review and contact them back.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is closed. Chapter XX Cramdown<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227505 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower advised of unemployment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227733 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was advised that the total amount due is $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226942 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The co-borrower called inquiring about a NOI she received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/20/2019 |
| 2965227277 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in- wants to set up ACH- sent form. Promised to pay XX/XX/XXXX $X.XX for XX/XX. Advised loan in default, demand expires XX/XX/XXXX. Possible referral to atty for legal action.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is payment adjustments.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Loan modification complete XX/XX/XXXX. | 08/31/2019 | 09/23/2019 |
| 2965227155 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire what documents will need to be sent. Borrower was advised to send in endorsed check and adjusters report.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: Comments on XX/XX/XXXX indicated possible property loss however, details were not provided in comments. | 08/31/2019 | 09/26/2019 |
| 2965226820 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was advised of the amount due but there was no commitment to pay. The borrower was also informed of XXX and XXX options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227195 | 3 | [3] Damaged Exterior - Damage remains unresolved and no indication covered by insurance sufficient to cover repair | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in advising submitted XXX claim for XXX damage from XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. Claim filed XX/XX/XXXX for XXX damage, date of loss XX/XX/XXXX. Claim was denied XX/XX/XXXX as loss was below deductible. No evidence repairs were completed. The damage repair amount is estimated at $X.XX. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/10/2019 |
| 2965227497 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower who declined agents notary offer. Borrower explained that the documents have already been notarized and returned to the lender. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Borrower date of death was not located in comments. | 08/31/2019 | 09/30/2019 |
| 2965226839 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and made payment $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227209 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in to make a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227755 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to send funds to reinstate loan via wire for $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227135 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227139 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/11/2019 |
| 2965227466 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227187 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to make the XX payment on XX/XX. Borrower declined to make the payment by phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227235 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower paid by phone<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965226951 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer was advised of the NOI and became combative by screaming into the phone stating that the investor does not always work with him. The customer continued stating that that he will make XX payments by the end of the month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227865 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in and scheduled payment and wanted to change scheduled payment for XXX. Borrower cited illness as the reason for default.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227314 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to borrower - paid by phone, reduction in income<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227362 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. welcome call completed and the borrower made a payment of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227283 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower request to not have the negative credit reported for non payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965227493 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. Discharged Bankruptcy<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227702 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Third party called in to make a payment and bring the loan current. The agent unlocked the account and reset the password. Third party was advised of the new payment amount after the taxes were removed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is closed.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/09/2019 |
| 2965227130 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talk to borrower regarding payment and borrower made payment for $X.XX for today.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/24/2019 |
| 2965227849 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227185 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and stated that she would be sending her modification package via XXX. The borrower also provided a tracking number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227614 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to make arrangements to bring the account current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/01/2019 |
| 2965227704 | 3 | [3] Written Dispute - No indication servicer responded to outstanding dispute in writing<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in with questions regarding escrow<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. Unable to determine if the dispute is resolved and the status indicates No information servicer responded to outstanding dispute in writing. account status dispute<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Per comment dated XX/XX/XXXX--Borrower located in XXX Disaster Area due to XXX(start date XX/XX/XXXX expiration date XX/XX/XXXX) | 08/31/2019 | 10/10/2019 |
| 2965227599 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states borrower called in and was advised of the total amount due on the account. Borrower scheduled a payment and advised of the reason for default.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227198 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay the amount of $X.XX drafting on XX/XX, XX/XX, XX/XX, XX/XX and XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227402 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227579 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to make a payment for XXX in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/22/2019 |
| 2965227549 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to call in payment on XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227659 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The third party stated they would make their own arrangements for notarization.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/29/2019 |
| 2965227529 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower returned call to discuss terms of the modification and the urgency to return the signed document<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227622 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states borrower called in requesting the mailing address to send payments. Borrower also had a insurance question and borrower was advised a letter of authorization is needed from their attorney.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/23/2019 |
| 2965227552 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/25/2019 |
| 2965227772 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was called to address the current Repayment Plan. The borrower authorized a payment in the amount of $X.XX. The borrower was also advised XX more payments left to bring account current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227463 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Talk to borrower regarding payment and borrower made payment for $X.XX for today.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/17/2019 |
| 2965227333 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in to make payment arrangements and discussed modification approval.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227322 | 1 | [1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made XX payments to bring the loan current.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Fee Dispute. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. Borrower requested that late fees be waived.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227671 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer went over the repayment plan in the monthly amount of $X.XX. The borrower stated will be making a payment today.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227534 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and was advised of amount due, late charge, bad check fee, and funds in suspense.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227380 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Discussed with borrower total debt amount, borrower unable to reinstate account due to the borrowers car had been stolen. Advised of option assistance and submitted for retention review.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227213 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227783 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower she is claiming to have send prior servicer website ach info. Advise of total amount due.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227707 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called to make a payment .<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227863 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states spoke to borrower and account was updated. The next due date was provided and followup call was setup.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227806 | 2 | [2] Currently Delinquent Mortgage<br>[2] Verbal Dispute - Servicer responded and issue open with active efforts to resolve | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make XXX payment. The servicer advised of total amount due and ACH options. The servicer also advised of the corporate advance fees. The borrower dispute total amount due , stating did not get XXX billing statement. The borrower made a payment of $X.XX for XX/XX/XXXX. Summary of corporate fee mailed to the borrower.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Fee Dispute. The dispute is not resolved and the status indicates Servicer responded and issue open with active efforts to resolve. On XX/XX/XXXX the borrower called in to make a payment. The servicer advised total amount due and advise corporate advance as well. The dispute did not get July billing statement and dispute payment and the fees does not belong to them and requested a break down of fees.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227794 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower informed the servicer on XX/XX/XXXX that funds to make payment are not available until the end of the month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227793 | 2 | [2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in to set up a payment of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Notation on XX/XX/XXXX indicates this property is located in a disaster area designated by XXX (XXX) declared on XX/XX/XXXX. | 08/31/2019 | 10/11/2019 |
| 2965227424 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower spoke to the servicer about account and discussed repay plan and mod. They have had excessive obligations from legal fees.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/18/2019 |
| 2965227642 | 3 | [3] Mortgagor Deceased - Not clear or no information on executor/heir<br>[2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to cancel payment previously scheduled to be processed on XX/XX/XXXX. Borrower is deceased and Not clear or no information on executor/heir. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227694 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower advised will XXX payment on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227624 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was advised of loan status and promised to callback and set up repay plan on XX/XX/XXXX. Borrower verified payment posting on XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227489 | 2 | [2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states spoke to borrower regarding the total amount due on the account. Borrower committed to a reinstatement of the loan. Borrower also advised waiting on spouse to completed modification documents, however may be unable to apply.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The property is located in an area impacted by a XXX disaster (XXX XX/XXXX); no damage reported. | 08/31/2019 | 10/10/2019 |
| 2965227575 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called to make a payment, but got upset. The agent advised the customer to put in a dispute.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227571 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is filed/under plan.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/20/2019 |
| 2965227655 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in a payment of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227684 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated that they sent in a payment in the amount of $X.XX and should cover the account until XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227168 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. There was an outbound call made to the borrower to advise of payment shortage in the amount of $X.XX. The borrower informed the agent of not having access to the internet and wanting to have the insurance removed from the account because the borrower pays it. The agent advised would be mailing the escrow removal request form.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/06/2019 |
| 2965227022 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer stated not able to make the full payment to bring account current as has a reduction of income. The customer is interested in liquidation, offered $X.XX and wished to move forward with the repayment plan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: A repayment plan was offered but not set up yet pending down payment per notes on XX/XX/XXXX. | 08/31/2019 | 09/30/2019 |
| 2965227001 | 2 | [2] Currently Delinquent Mortgage<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower informed the servicer on XX/XX/XXXX that the next payment will not be made until XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965227194 | 2 | [2] Currently Delinquent Mortgage<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower spoke to servicer about returned payment. They will contact their bank.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. Credit dispute received and servicer information is reported correctly.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Claim filed and repairs completed as of XX/XX/XXXX. | 08/31/2019 | 10/07/2019 |
| 2965226923 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower who called in for confirmed due date and transfer date. Provided address to borrower to mail payments in.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/19/2019 |
| 2965226881 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called request an explanation for increase of loan payment. The servicer advised it was due to escrow shortage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227058 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965226971 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states borrower called in advising funds were not removed from third parties bank account. Borrower advised that funds must be certified.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227090 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called and scheduled XX payments by phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/14/2019 |
| 2965227231 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment when they attempted to pay online part of the account was grayed out and would not allow the late fees to be included with the payment, the servicer put in an IT ticket for the borrower's online account and scheduled the payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965227682 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and was informed once makes last payment final modification will be sent.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227407 | 2 | [2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the servicer spoke with the borrower and took a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: On XX/XX/XXXX, the area where the property is located was designated as a disaster area due to XXX. | 08/31/2019 | 10/13/2019 |
| 2965227475 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding mod status rep advised mod documents not received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/25/2019 |
| 2965227330 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to verify that their payment was received. The agent advised that the payment had not been received but per the tracking number the package should have been received yesterday.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227260 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/16/2019 |
| 2965227750 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is performing under plan.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/09/2019 |
| 2965227494 | 1 | [1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was advised of payment due XX/XX. They have ACH and web available for payment.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. Credit disputes were received and noted as reviewed with no credit corrections needed.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227770 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to schedule a payment by phone and to get assistance with ACH form.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/12/2019 |
| 2965226915 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and scheduled payments to be drafted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also noted the reason for default is noted as illness of the borrower. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: There is a confirmed successor in interest that is the beneficiary of the property according to the Will and the Will has been probated in the Courts. The Successor has been deemed eligible to complete the modification and assumption of the loan. | 08/31/2019 | 08/28/2019 |
| 2965227177 | 2 | [2] Written Dispute - Servicer responded within 60 days and mortgagor still questioning servicer | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower who asked about the statement received and if fees are owed. Informed borrower all fees were associated with what was due before the modification was applied. Discussed modification information with the borrower.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Loss Mit Dispute. The dispute is resolved and the status indicates Servicer responded within 60 days and mortgagor still questioning servicer. Borrower disputed the approved modification trial amount.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227103 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated that she was on another call and would call back.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227091 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called about surplus check. Servicer advised it was due to escrow overage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965226947 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states borrower called in regarding a repayment plan and scheduled a payment on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/18/2019 |
| 2965226861 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and stated tat she sent XX payment sin the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/09/2019 |
| 2965226966 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/24/2019 |
| 2965227021 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment on the repayment plan in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226875 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer confirmed a payment would be called in.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226890 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called to make a full payment on the account from demand.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965226826 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called borrower transferred to XX speaker call lost.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/16/2019 |
| 2965227203 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to borrower- discussed loan transfer date, payment options and website.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227638 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower called in and made a payment. They stated the reason for default was a death in the family. On XX/XX/XXXX, the borrower called in and made a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of family member.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227556 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they had a death in the family and switched jobs. They indicated they plan to bring the loan current by the end of the month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of family member.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227252 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965227678 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called and was advised of loan status and demand expiration date. third party requested 24 month pay history. third party stated loan should not be behind.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227085 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make sure ACH was setup<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227138 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer made a payment and declined options for the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227289 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and advised of total amount due. Borrower only able to make a payment in the amount of $X.XX. Borrower will send in cashiers check.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227657 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227540 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in for statement details.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/02/2019 |
| 2965227633 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to see if we sent the escrow refunds. The agent advised that it was refunded back into the bank account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/11/2019 |
| 2965227460 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to make a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227521 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and promised to make a payment b the end of the month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227574 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to discuss when the XXX payment will be made, in a few days via wire transfer. Advised of payment by phone borrower stated has no cure date refused to offer reason stated was no reason for the delinquency.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227561 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Unauthorized third party with borrower called to make a payment of $X.XX for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227541 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in due to not receiving requested callback from specialist assigned. Agent explained decision and scheduled payment to be processed on XX/XX/XXXX. Agent also educated borrower on program rules and what not to do to avoid plan breaking. Borrower understood<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 06/05/2019 |
| 2965227761 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/20/2019 |
| 2965227578 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2017 |
| 2965227458 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to find out the total amount due including fees.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - family.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227500 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower advised the reason for the account delinquency is attempting to refinance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227522 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to pay by money order<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965227222 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227248 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227648 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower call and made a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227721 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to make XX payments on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227716 | 3 | [3] Cease and Desist Request Received From Mortgagor or 3rd Party<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower stated would like to get on repayment plan to bring current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227697 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called regarding monthly statement and wanted to confirm that the verbal repayment plan is still active. The last payment received was one day past the due date.The customer is aware of defaulting is the payment is late. The agent offered to take the payment over the phone but the client advised would send in the payment within enough time.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/13/2019 |
| 2965227735 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965227355 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227320 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower verified their info and then the call disconnected.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227515 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was contacted and advised a payment had previously been scheduled over the phone and hung up<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 06/05/2019 |
| 2965227808 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment on XX/XX/XXXX in the amount of $X.XX the servicer attempted to discuss the lender placed insurance the call was disconnected.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227444 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227325 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/13/2019 |
| 2965227250 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to request payment to be reversed back to bank account, made duplicate payments in error. Funds in amount of $X.XX were reversed off the loan and a request has been sent to have funds returned to borrowers bank.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227807 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states spoke with borrower regarding the account. Borrower advised that spouse handles the mortgage and speak with them regarding the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227032 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer informed the borrower on XX/XX/XXXX that more bank statements are needed to show proof of Social Security Insurance deposits.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965227664 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The called in to confirmed the assistance package was previously sent out. The rep confirmed it was.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227099 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to set up XXX payment as well as XXX for XX/XX but the system did not allow the agent to process the payment since the customer's payment date is changing .<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227181 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and made a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/24/2019 |
| 2965227224 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and made a payment in amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is performing under plan. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/01/2019 |
| 2965227179 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make XX payments.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/05/2019 |
| 2965226930 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay on XX/XX/XXXX in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965226911 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and authorized a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965226935 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower calling in about letter and not sure what it is Property Valuation Notice explained what it was. Said needs help on website went over options - said will be able to get caught on their own if gets turned down .Had question about reaffirmation on bky- advised would have been done by the courts & would need to refile or contact attorney.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Prior XXX modification completed XX/XX/XXXX with effective date of XX/XX/XXXX. | 08/31/2019 | 10/11/2019 |
| 2965227041 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and was provided the XXX hotline phone number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/19/2019 |
| 2965227238 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in for assistance options and advised that their hours have been cut at work.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227219 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment and advised that they set up a account and they were having trouble accessing it. The agent advised them to give them a call back when they get a chance to sign in and they will walk them through it. The agent advised them on the XXX number. Declined mortgage assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227063 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer called the borrower , however the borrower stated at work and cannot discuss loan account, will call them back.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227306 | 2 | [2] Currently Delinquent Mortgage<br>[1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in to verify information on the account. Faxed modification agreement.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. Borrower dispute states overcharged for county taxes.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227105 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/17/2019 |
| 2965227000 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer discussed the loan modification with the borrower. The borrower stated will make XXX payment this week.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Per comments dated XX/XX/XXXX, bankruptcy was discharged.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227036 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated the reason for default was due to illness and scheduled XX payments on XX/XX/XXXX and XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227084 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and stated has listed the property for regular sale as of XX/XX/XXXX and advised will no longer be able to afford the payments. Borrower stated default is due to illness, spouse deceased and income decreased.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is illness - mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The customer stated that he has had the property listed for over a month but did not provide details of the listing. | 08/31/2019 | 10/14/2019 |
| 2965227725 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/29/2019 |
| 2965227334 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower one, transferred call to customer service.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is energy - environment cost.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227295 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquired about the servicing transfer. The welcome call was completed with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227542 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to get the amount due.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is marital difficulties.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965227459 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower scheduled a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227468 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with the borrower wanted to make a payment advised there was no payment due at this time.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/13/2019 |
| 2965227035 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment of $X.XX for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/08/2019 |
| 2965227457 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in and was advised of the account status.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is business failure.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227645 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower scheduled a promise to pay and advised excessive obligations caused the late payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965227204 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to get the balance, advised TAD $X.XX. Will call back for reinstatement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227338 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer informed the borrower on XX/XX/XXXX that the total amount due is $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/23/2019 |
| 2965227621 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/23/2019 |
| 2965227492 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Inbound call received from the borrower, advised we received payment and the next payment is due on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227178 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer confirmed payment was received and next due for XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. BK case #, discharged date, and filing date was not provided in commentary.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227144 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to set up a one time draft for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227513 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in promise to pay XX payments on XX/XX/XXXX states just started new job and was out of town and will be returning home soon.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/25/2019 |
| 2965227508 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the servicer spoke with the borrower. The borrower stated they would mail in the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227351 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in returning call from loss mit. Borrower was informed of the XXX payment being due. The borrower stated they will make a payment tomorrow as they don't have their banking information with them at the moment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227184 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to make a payment in the amount of $X.XX on XX/XX/XXXX. Borrower working on repayment plan.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of family member.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965227514 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in to make XXX payment and will call back later to make XXX payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227455 | 2 | [2] Currently Delinquent Mortgage<br>[2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to change a scheduled payment date from XX/XX/XXXX to XX/XX/XXXX, stating does not have enough funds to cover payment due to come out on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The property is located in a XXX disaster area due to XXX declared on XX/XX/XXXX. No reported damages. | 08/31/2019 | 09/30/2019 |
| 2965227098 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The estate holder advised that a payment was made on Saturday. The customer also informed the servicer will be XX month behind due to being out of work for the summer. The servicer offered the customer a XX month deferment. The customer will discuss the option with a relative and will call back with the decision. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227524 | 3 | [3] Cease and Desist Request Received From Mortgagor or 3rd Party<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227745 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower claims is working with XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965227539 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/04/2019 |
| 2965227828 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower advised made payment via IVR and wanted the payment dated for the date of this call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227174 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in asking for RM. Agent advised the RM was not available and offered to help. Borrower stated they were unhappy ab out the plan review and the docs needed. Borrower declined assistance and ended call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965227816 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The agent advised the borrower they were due for XXX and XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of family member.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227480 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower authorized a payment for $X.XX made before the end of the grace period.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/12/2019 |
| 2965227838 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay on XX/XX/XXXX the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/11/2019 |
| 2965227159 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Commentary states borrower called in scheduled a payment for the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965226979 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated she pays at the end of the month for the upcoming month. The borrower was advised that she is paying a month behind and receives late fees each month. There was no direct commitment to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227281 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and promised to pay $X.XX on XX/XX/XXXX. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Note, date of death for co-borrower was not provided. | 08/31/2019 | 10/11/2019 |
| 2965227117 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227368 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and made a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/01/2019 |
| 2965227217 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to inquire if the EOI was received advises was end effective dates are XX/XX/XXXX - XXXX. Advised it will take 48 hours to process.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227078 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they didn't know when but that they will be mailing a payment in sometime this month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/16/2019 |
| 2965227551 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called and stated that he made payment at the bank.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227797 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower states that their source of income is their pension and social security but trying to get another job. Borrower states the reason for default was due to not filing taxes after retirement and now they are garnishing their income. Borrower state that they cannot afford repayment plan as of now.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/25/2019 |
| 2965227663 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The account has been performing for over 12 months and the servicer has not been attempting to contact the borrower. | 08/31/2019 | 10/11/2019 |
| 2965227743 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was provided with the cure amount.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227528 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in and discussed account. Borrower stated direct deposit was messed up at the job. Borrower stated now that is straight, payments will be made on time. Borrower requested to set up EZ pay and set up automatic deposit.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227650 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227813 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment and promised to make another payment before the end of month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227854 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The agent called the customer and advised them of the total amount due on the account. The customer stated the reason for delinquency is a lot stuff and made a payment arrangement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The investor received notice of BK filing on XX/XX/XXXX. Currently waiting Bankruptcy details to be uploaded to the account. | 08/31/2019 | 10/08/2019 |
| 2965227246 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they made payment and apparently it was applied to principal. Payment to be applied correctly.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227487 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The co-borrower called regarding the payment that was returned and stated another payment was made on XX/XX/XXXX in the amount of $X.XX, the servicer advised it should be processed by midnight tonight.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965227136 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Unauthorized third party called and stated property is occupied and scheduled a payment by phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227313 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. third party discussed hardship, assistance options and contact information<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/14/2019 |
| 2965227017 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227316 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The called to make a payment of $X.XX for XX/XX/XXXX. The servicer assisted in helping borrower setting up access to website so borrower can make another payment online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/11/2019 |
| 2965227315 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer informed the borrower on XX/XX/XXXX that the account is current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227703 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower authorized a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: A previous XXX modification was completed outside of the review scope. | 08/31/2019 | 10/10/2019 |
| 2965227416 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a promise to pay, citing their money order number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/02/2019 |
| 2965227214 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower one call in wanting to set up XX/XX/XXXX payment for XX/XX. Schedule payment for $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/04/2019 |
| 2965227607 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The customer has been making payments via online. | 08/31/2019 | 09/29/2019 |
| 2965227348 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to return call from hazard insurance department. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227158 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to go over the account and the agent advised them of retention options. The agent opened review and walked them through how to rma online.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/01/2019 |
| 2965227484 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they mailed the payment in a few days ago. Service agent discussed the benefits of the website.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/28/2019 |
| 2965227589 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the servicer spoke with the borrower who stated their son would make the payment on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/10/2019 |
| 2965227791 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer confirmed a curtailment of income and was informed on options, however the customer declined.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/09/2019 |
| 2965227297 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in to inquire why the payment increased. The agent found an inspection fee for $X.XX. The customer requested that the fee be identified. The agent submitted a ticket.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227810 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower paid by phone claims had problems with website<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is servicing problems.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/24/2019 |
| 2965227469 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they could not make the payment until XX/XX/XXXX because the pay period lands on XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/07/2019 |
| 2965227737 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and authorized a payment in the amount of $X.XX; effective XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/25/2019 |
| 2965227588 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquiry in regards to letters received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 08/01/2019 |
| 2965227478 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment of $X.XX for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/26/2019 |
| 2965227163 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to discuss deferment plan. and said will follow up later in the week<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/18/2019 |
| 2965227833 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227114 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make a payment<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/23/2019 |
| 2965227701 | 2 | [2] Currently Delinquent Mortgage<br>[2] Damaged Interior - Active insurance claim but unclear who holds funds or covered by bid | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer made a one time payment of $X.XX and discussed repayment, cash for keys, and deed in lieu options. The customer also planned to pay extra starting XX/XX/XXXX until the account is brought current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. notation on XX/XX/XXXX indicates a claim was filed due to XXX damages from XX/XX/XXXX. The first draw amount was disbursed, however, final inspection and the remainder of funds are pending on account. The damage repair amount is estimated at $X.XX. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/27/2019 |
| 2965227676 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. (See comments dated XX/XX/XXXX.)<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/30/2019 |
| 2965227413 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called language line to set up a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is average. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/12/2019 |
| 2965227473 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 10/03/2019 |
| 2965226892 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 08/31/2019 | 09/28/2019 |
| 2965227625 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was provided information regarding their tax bill.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 05/23/2019 |
| 2965227673 | 2 | [2] Currently Delinquent Mortgage<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in about letters he is receiving about sending in the incorrect payment. The borrower was advised that they may continue to receive letters during the trial from the collections team advising payments may be insufficient but that they will only come back in to play if for any reason they do not comply with the Trial Mod Terms, otherwise, once the modification is completed then they can shred the letters as the amounts would no longer apply.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is payment adjustments.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/10/2019 |
| 2965227056 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower called to discuss the escrow shortage. The agent explained the reserve requirement, analyzed the account, and ordered a monthly statement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965226996 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and advised of total amount due. Borrower made a payment in the amuont of $X.XX. Advised of short term/loan term options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965227122 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/24/2019 |
| 2965227618 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Inbound call to inquire on escrow request.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/23/2019 |
| 2965227768 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/04/2019 |
| 2965227456 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called with their commitment to pay with payment scheduled for $X.XX and stated they thought they were set up for auto pay. Associae informed they can get them to the department for assistance with auto pay and call was transferred. Associate provided borrower with principal balance, last payment received, next due, current interest rate and escrow balance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/28/2019 |
| 2965227232 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/28/2019 |
| 2965227520 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show borrower contact regarding loan status and payments, borrower could not commit to making a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227057 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 04/16/2019 |
| 2965227121 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/26/2019 |
| 2965227427 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to process a payment of $X.XX<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227109 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called requesting to speak with supervisor regarding waiving a late fee. Associate informed borrower they do not qualify for a late fee waiver for XXX as they received a waiver XX/XXXX and informed borrower the late fee does not affect the loan being brought current and the fee was waived.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/13/2019 |
| 2965227415 | 3 | [3] Mortgagor Deceased - Not clear or no information on executor/heir | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized third party advised the RFD is due to the death of the borrower. The third party made a payment for $X.XX and set up a future payment for $X.XX on XX/XX/XXXX. Borrower is deceased and Not clear or no information on executor/heir. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/15/2019 |
| 2965227471 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/15/2019 |
| 2965227409 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/10/2019 |
| 2965227094 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about escrow<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/28/2019 |
| 2965227089 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer called in stated that the payment was made via bill pay and is not showing on the account, ask for additional research<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/29/2019 |
| 2965227127 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to go over general account information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/15/2019 |
| 2965227547 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is closed. Prior bankruptcy evident.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/17/2019 |
| 2965226985 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer called and spoke with borrower and advised of total amount due. Borrower made a promise to pay $X.XX at the branch on XX/XX/XXXX. Borrower verified property is owner occupied.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965226852 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/10/2019 |
| 2965227190 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/05/2019 |
| 2965227221 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/18/2019 |
| 2965227150 | 1 | [1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to discuss the payments increasing.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. Teller applied payment for XX/XX/XXXX on wrong account issue was corrected.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/05/2019 |
| 2965227302 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is abandonment of property.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965226961 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to pay online<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/05/2019 |
| 2965227453 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/18/2019 |
| 2965227124 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227234 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke with borrower and advised of the total amount due. Advised customer of long term and short term options. borrower stated he made the people and was advised the payment is not showing. Advised borrower to speak with his bank about payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/01/2019 |
| 2965226912 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower advised that they broke their leg and hadn't been able to make a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965226938 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/16/2019 |
| 2965227339 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called stating they are $X.XX short of mortgage payment because their payment schedule was changed causing a delay and may have expenses he may not have been aware of and his electric was extra but he will pay on XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965227780 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/09/2019 |
| 2965227369 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227665 | 2 | [2] Payoff has been requested within the last 60 days | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX borrower inquired about assistance options, was provided short term/long term options. In the month of XX/XXXX borrower called in several times to inquire about balance and payoff.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965227055 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/23/2019 |
| 2965227451 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/19/2019 |
| 2965227437 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/16/2019 |
| 2965227712 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to schedule a payment of $X.XX by phone in XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/28/2019 |
| 2965227421 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. POC due by XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965226855 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Associate contacted borower to assist in making their payment for XXX and XXX and cited borrower wanted to future date the XXX and XXX payments. Borrower stated they set up the auto draft to being in XXX at a branch and is unsure why payments are not drafting. Call was handled by customer who informed who informed loan is not set up on auto draft and no application was sent out. Associate submitted request to waive the late fee.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/28/2019 |
| 2965227301 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 06/06/2019 |
| 2965227363 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/24/2019 |
| 2965227189 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make payment<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/03/2019 |
| 2965227482 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made a phone payment in the amount of $X.XX. Borrower requested late fee to be waived due to bank error.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227636 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in concerning regular documentation.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/25/2019 |
| 2965227093 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer spoke to the agent who advised they still need one additional bank statement from XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/04/2019 |
| 2965227354 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make a payment on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/03/2019 |
| 2965227133 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX Borrower returned call needs to go to county to get divorce decree. XX/XX/XXXX Borrower advises his divorce decree is not complete, and he advises he owes $X.XX [sic] in alimony fees [sic]. Borrower will [no] longer need the modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is marital difficulties.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965226804 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. No prior contact from XX/XX/XXXX borrower contacted servicer and requested loan history, last contact from borrower XX/XX/XXXX borrower requested late fee to be waived.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 11/01/2019 |
| 2965227126 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 03/23/2019 |
| 2965227414 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The last contact with the borrower was on XX/XX/XXXX. The borrower was advised of short term and long term options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/19/2019 |
| 2965227275 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment. The servicer advised of short and long term options. The borrower stated the reason for default was an oversight.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/06/2019 |
| 2965227595 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party called in stating the borrower cannot afford their monthly payment as they are increasing from $X.XX to $X.XX. The borrower is asking for financial assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965227095 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227545 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: Per comments dated XX/XX/XXXX, the loan modification was completed. | 09/30/2019 | 09/04/2019 |
| 2965227435 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower scheduled their first trial modification payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227852 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/14/2019 |
| 2965227115 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Inbound call from borrower to discuss documents needed for the modification review.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/17/2019 |
| 2965227332 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227602 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/10/2019 |
| 2965226999 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/29/2019 |
| 2965227637 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regards to payment as received letter stating delinquent and account will be going into foreclosure. The borrower was advised to disregard the letter as the account is current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/24/2019 |
| 2965227086 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 03/23/2019 |
| 2965227759 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower stated they no longer need assistance and the account is current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965227379 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer spoke with the borrower regarding the total amount due for XX/XXXX. The servicer also provided the borrower with workout assistance options. The borrower advised that the reason for default was due to oversight on their part. The borrower advised that a payment was submitted on XX/XX/XXXX. The borrower also stated that another payment would be submitted on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/16/2019 |
| 2965227840 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/29/2019 |
| 2965227156 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called about a payment. Borrower advised will be making a payment on XX/XX/XXXX in the amount of $X.XX by XXX. Borrower thought made payment online already so would confirm and if no payment then will make the payment through bill pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/19/2019 |
| 2965227404 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX Borrower called and made a payment. Borrower was advised of short and long term options available for assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227304 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/15/2019 |
| 2965227740 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/05/2019 |
| 2965227042 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower requested transfer to XXX speaker<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/20/2019 |
| 2965227787 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The last contact with the borrower was on XX/XX/XXXX. The borrower was advised of total amount due.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965226902 | 2 | [2] Currently Delinquent Mortgage<br>[1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. The servicer responded to the customer's credit dispute in writing.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/16/2019 |
| 2965227161 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in XX/XX/XXXX to get balance and make payment. Representative advised Borrower he was XX payments behind. Borrower confused as he thought payment made on XX/XX/XXXX. Representative offered Borrower workout option to bring current, Borrower declined and stated he would try and bring current on his own. No further contact was made with the borrower after XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/16/2019 |
| 2965226810 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Inbound call from borrower to inquire about the last payment remitted on the account. Advised servicer that he would pay $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/15/2019 |
| 2965227491 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/27/2019 |
| 2965227197 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The agent advised of opt out letters needed to send back to the servicer for modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227367 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer processed the customer's payment over the phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Per comments dated XX/XX/XXXX, the loan was modified. | 09/30/2019 | 09/23/2019 |
| 2965227773 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/22/2019 |
| 2965227732 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX Borrower called stated will make a payment on XX/XX/XXXX. Borrower stated paid out of pocket for repairs and claim was not received. Borrower was advised of long and short term options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: XX/XX/XXXX Commentary states claim was closed and funds were disbursed for property damages. | 09/30/2019 | 09/05/2019 |
| 2965227059 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX Borrower reported RFD as pay period conflict and advised he will pay by the end of the month due to waiting on a check to clear self employed contractor.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227269 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. XX/XX/XXXX - Borrower called - verified account demographics - advised of options - processed payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227526 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made a payment int he amount of $X.XX. Borrower states the reason for default was due to other bills that needed to be paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/04/2019 |
| 2965227566 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Boroer called to speak with escrow department. Borrower state payment was made and then refund was sent to her which caused late payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227340 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: Loan Modification effective XX/XX/XXXX. | 09/30/2019 | 07/03/2019 |
| 2965227603 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/03/2019 |
| 2965227255 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Payment was scheduled with borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/03/2019 |
| 2965226954 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX Borrower call in reference to increase in escrow payment and to schedule a payment. Borrower was advised of short and long term options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/05/2019 |
| 2965227106 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/03/2019 |
| 2965227848 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The last contact was made on XX/XX/XXXX, in which the borrower had an account inquiry. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/10/2019 |
| 2965227408 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make payment of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 06/16/2019 |
| 2965226960 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Loan is XX days delinquent with no contact or attempt to contact the customer in the past XX months. There is a XX+ month gap | 09/30/2019 | 10/12/2019 |
| 2965227227 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower scheduled a payment..<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/06/2019 |
| 2965226851 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227311 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. The proof of claim was filed XX/XX/XXXX. A motion for relief was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/23/2019 |
| 2965226905 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called for due date, was advised due for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227644 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay $X.XX drafting on XX/XX/XXXX. Borrower was provided with the amount due.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/29/2019 |
| 2965227188 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was provided with the principal balance information, last payment received; next due date; current interest rate and the escrow balance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/20/2019 |
| 2965227553 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Inbound call from borrower to discuss the account. Was advised of short and long term options and also advised that collection activities will continue<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227397 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding assumption process.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 06/24/2019 |
| 2965227134 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/18/2019 |
| 2965227253 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227149 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Inbound call from borrower promise to pay<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/30/2019 |
| 2965227449 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was contacted regarding payment and was advised the late fees will continue up to foreclosure. The borrower made a payment in the amount of $X.XX that morning and will take some time to post on the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965227143 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Outbound call to borrower, went over account status<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/13/2019 |
| 2965226913 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965227160 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/27/2019 |
| 2965227207 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/10/2019 |
| 2965227834 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227715 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay $X.XX drafting on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227279 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke to Borrower and confirmed that the payment is still set up to draft on XX/XX/XXXX for XXX payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/04/2019 |
| 2965227389 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX Borrower call for principal balance. The principal balance information was provided.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/04/2019 |
| 2965227215 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/15/2019 |
| 2965227620 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower wanted to make a payment in the amount of $X.XX for the escrow shortage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/07/2019 |
| 2965226917 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/11/2019 |
| 2965227467 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show borrower called questioning due date, borrower advised should not be due for XX/XXXX. Servicer opened ticket to have funds moved.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is release from stay granted. Comments show the borrower was in bankruptcy which has since be released.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/12/2019 |
| 2965226914 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/22/2019 |
| 2965227748 | 3 | [3] Mortgagor Deceased - Not clear or no information on executor/heir<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer was contacted and advised of the total amount due, the customer stated that she thought that the payment had been made and her daughter in law was suppose to make the payment Borrower is deceased and Not clear or no information on executor/heir. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/10/2019 |
| 2965227688 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Verbal clarification for the loss mitigation underwriter was obtained. Modification review was happening.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is excessive obligations.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965227454 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/07/2019 |
| 2965227395 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/27/2019 |
| 2965227643 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called for tax form information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/24/2019 |
| 2965227536 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Collection comments indicate agent spoke with the borrower and advised she was denied for modification because she did not demonstrate a financial hardship. Agent offered liquidation options and explained the benefits of a short sale. Borrower stated she is not interested in a short sale so agent advised to continue making the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/11/2019 |
| 2965227788 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX Borrower called made a promise to pay. Borrower was advised short and long term options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/05/2019 |
| 2965227346 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 05/29/2019 |
| 2965226819 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/26/2019 |
| 2965227087 | 1 | [1] Written Dispute - Servicer responded within 60 days and no further communication from mortgagor | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to get breakdown of payment and escrow.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Written and the reason is Credit Reporting. The dispute is resolved and the status indicates Servicer responded within 60 days and no further communication from mortgagor. Borrower disputing account on credit bureau states it is not her account.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/29/2019 |
| 2965227083 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/01/2019 |
| 2965227562 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/25/2019 |
| 2965227680 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965227598 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/09/2019 |
| 2965227244 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/17/2019 |
| 2965227405 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: <br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. Case is under review for discharge as of XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227323 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965226824 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in because of having a hard time with the ivr to set up a payment for XXX and XXX. Advise the system reflects that a payment has been set up for XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/16/2019 |
| 2965227481 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/12/2019 |
| 2965227601 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/08/2019 |
| 2965227656 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 05/20/2019 |
| 2965226924 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show borrower contact regarding loan status and payment, payment processed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227861 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/11/2019 |
| 2965227062 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965226962 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, borrower called in to see if she could get a repayment plan. Was advised to call back when there is a steady income which she said should be within a week. On XX/XX/XXXX, borrower called in to make a payment of $X.XX and was advised of short and long term options to get account current.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. There was not any additional information in comments. The date the POC was filed is not included, however, it does indicate that figures was sent to attorney for filing POC.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/16/2019 |
| 2965227422 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in payment for $X.XX for today.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: <br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/05/2019 |
| 2965226832 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/05/2019 |
| 2965227069 | 2 | [2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: XXX declared disaster area XXX - declared XX/XX/XXXX thru XX/XX/XXXX. | 09/30/2019 | 09/25/2019 |
| 2965226990 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/09/2019 |
| 2965227420 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer spoke to the borrower advised the total amount due, the borrower stated in a rush and would call back with a payment. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965226925 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to verify their committment to make payment at a branch today for $X.XX and wanted the late fee waived.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/20/2019 |
| 2965226833 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/11/2019 |
| 2965227242 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/08/2019 |
| 2965227034 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/15/2019 |
| 2965227785 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/18/2019 |
| 2965227014 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer was provided with the total amount due and a payment was provided<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/15/2019 |
| 2965227544 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/13/2019 |
| 2965227074 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/15/2019 |
| 2965227249 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227072 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer called in and provided a payment<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/04/2019 |
| 2965226910 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and set up payment for XX/XX/XXXX in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/16/2019 |
| 2965227352 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to ask about modification representative explained.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227609 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment for $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/24/2019 |
| 2965227376 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called, gave feedback on associate and the verification process. Agent explained to Borrower he can call back and call in about the property. Borrower disconnected after Agent asked information to verify.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/04/2019 |
| 2965226967 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. inbound call from borrower to process payment, also went over short and long term options with borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/10/2019 |
| 2965226904 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227812 | 3 | [3] MI Not Being Paid As Required<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to get clarification on a payment made to insurance. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227064 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Contact on XX/XX/XXXX is not the borrower. Contact on XX/XX/XXXX is not specific therefore recognized as borrower contact for year end information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/28/2019 |
| 2965227308 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/31/2019 |
| 2965227303 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965226927 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made a payment via transfer of funds,<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227433 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/24/2019 |
| 2965227171 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/24/2019 |
| 2965227443 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/01/2019 |
| 2965227825 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227328 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, borrower called in to see why he was showing delinquent when he has paid each month timely. Advised of short and long term options available then transferred to escrow to see if issue with late payments are escrow related.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/19/2019 |
| 2965227040 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. inbound call from borrower to process payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/10/2019 |
| 2965227245 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/15/2019 |
| 2965227162 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to request that their payment that was applied to escrow be reapplied to XXX payment and principal. Borrower promised to make a payment in the amount of $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/26/2019 |
| 2965226825 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is payment disputes.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965226887 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in regarding their insurance statements.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227353 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called to state the payment would be late for XXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: <br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/11/2019 |
| 2965226937 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/06/2019 |
| 2965227259 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: On XX/XX/XXXX, a condo expiration letter was sent to the Borrower. | 09/30/2019 | 10/02/2019 |
| 2965227441 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX the borrower called to say this should be paid with auto pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/28/2019 |
| 2965227218 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Associate provided borrower payment posting information and basic insurance information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965226866 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/03/2019 |
| 2965227392 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in from branch to request payment history.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/19/2019 |
| 2965227786 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/11/2019 |
| 2965227506 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called and made a payment. The confirmation number was provided.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/10/2019 |
| 2965227239 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquired about insurance and discussed mod docs.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/23/2019 |
| 2965227769 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/16/2019 |
| 2965227720 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/05/2019 |
| 2965226821 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/14/2019 |
| 2965226945 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/09/2019 |
| 2965227476 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was contacted XX/XX/XXXX due to delinquency and was reminded of promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227236 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Customer was contacted. They were advised of short and long term options. The customer stated the reason for default was short term. They promised to pay via the website on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The customer stated the reason for default was that they took a new job and there was a delay with their first paycheck being received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/10/2019 |
| 2965227875 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/19/2019 |
| 2965226871 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/15/2019 |
| 2965227129 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227148 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/31/2019 |
| 2965227789 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/12/2019 |
| 2965227795 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/27/2019 |
| 2965227418 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/24/2019 |
| 2965227172 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/08/2019 |
| 2965227128 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/24/2019 |
| 2965226877 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called about fees that were due from XXXX but the call got disconnected.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/10/2019 |
| 2965227365 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to schedule payment and stated RFD to be due to government shutdown. Comment dated XX/XX/XXXX borrower stated they were trying to refinance but will go ahead and apply for modification.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/28/2019 |
| 2965226992 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/24/2019 |
| 2965226802 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/15/2019 |
| 2965227116 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to make a payment of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/13/2019 |
| 2965227775 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/30/2019 |
| 2965227065 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to pay, discussed hardship and assistance options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/18/2019 |
| 2965227186 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make payment and was provided confirmation number.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/24/2019 |
| 2965227843 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Spoke the borrower who states no interested in a modification but would like to do refi. Will visit the local branch to speak with loan officer.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965227708 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/15/2019 |
| 2965226796 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/29/2019 |
| 2965227273 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/07/2019 |
| 2965227835 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/30/2019 |
| 2965227474 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227140 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/05/2019 |
| 2965227554 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called on XX/XX/XXXX to obtain account status and arrange payment by phone. Reason for delinquency was listed as oversight.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/23/2019 |
| 2965227523 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show borrower contact regarding loan status and payments. Borrower advised they fell behind because wife forgot to make payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/03/2019 |
| 2965227071 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the Borrower's last contact was via an outbound call . The Borrower made a Promise To Pay "PTP" in the amount of $X.XX for XX/XX/XXXX. The Borrower informed the property is vacant. The Servicer informed collection activities continue until Foreclosure.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is vacant.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965227802 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: On XX/XX/XXXX, the Borrower's last contact was via an inbound call. The property is owner occupied. The Borrower was provided the Total Amount Due and informed of options. A payment in the amount of $X.XX was processed with a same day effective date. | 09/30/2019 | 10/09/2019 |
| 2965227594 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called stating having issues with getting online, and has the insurance & escrow information. The call was transferred to mobile banking<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/11/2019 |
| 2965227373 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/23/2019 |
| 2965227584 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called and updated their pay plan bank account information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 05/21/2019 |
| 2965226891 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX call made to borrower with a message being left. Borrower returned call and was advised of the total amount due and long and short term options to cure default. Borrower advised there has already been an arrangement for her to pay on XX/XX/XXXX in the amount of $X.XX. Her reason for delinquency was oversight and that she did not realize she was one payment behind. Thought payments at the end of the month were paying the next month.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/22/2019 |
| 2965226853 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower processed a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. A motion for relief was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/29/2019 |
| 2965227223 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer contacted the borrower to discuss the past due payment. The servicer also advised the borrower of the availability of loss mitigation assistance options. The borrower submitted the XX/XXXX installment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/06/2019 |
| 2965227169 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: <br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965226975 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/15/2019 |
| 2965226976 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/19/2019 |
| 2965227764 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to decline mod review and that they will bring loan current asap.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/19/2019 |
| 2965226980 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/12/2019 |
| 2965227573 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/29/2019 |
| 2965227876 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/18/2019 |
| 2965227749 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show contact with borrower regarding loan status and payment, promise to pay made.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227784 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding balance and escrow account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/23/2019 |
| 2965226869 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/27/2019 |
| 2965227851 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower rejected workout options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/21/2019 |
| 2965227503 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227146 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/15/2019 |
| 2965227341 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show contact with borrower regarding loan status and payments. Comments show the borrower was upset the servicer paid their taxes causing her payment to double.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is other.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227718 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/23/2019 |
| 2965227593 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to see if the trial payment was received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is unemployment.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/28/2019 |
| 2965227687 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in and confirmed they would make a payment at the branch on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/30/2019 |
| 2965227324 | 2 | [2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The property is located in a XXX Disaster area due to a XXX noted on XX/XX/XXXX. No evidence of damage(s) reported. | 09/30/2019 | 09/13/2019 |
| 2965227681 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Associate contacted borrower regarding their payment and demographics were verified. Borrower inquired as to why they are receivng calls, as they always pay around the XX-XX of each month for the last XX years. Associate informed borrower payments are due on the first and after that collection activity can begin and will note the account of when to expect payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/30/2019 |
| 2965227510 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called regarding due date and account balance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/07/2019 |
| 2965226928 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/01/2019 |
| 2965226934 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The last contact with the borrower was on XX/XX/XXXX to discuss modification options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965226807 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to pay $X.XX and asked why their statement shows that they are overdue. The agent advised that the XXX payment was not received. Borrower states that the property is just a piece of land.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is vacant.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/16/2019 |
| 2965226957 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 02/19/2019 |
| 2965227383 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 04/16/2019 |
| 2965227276 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/15/2019 |
| 2965226969 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/12/2019 |
| 2965227100 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/04/2019 |
| 2965227079 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/06/2019 |
| 2965227068 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/15/2019 |
| 2965227375 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965226870 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965226792 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in for loan information, pay history and confirmed updated insurance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/16/2019 |
| 2965227142 | 2 | [2] Property is located in a XXX disaster area. | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The property is located in a XXX Disaster Area due to XXX noted on XX/XX/XXXX. No damages were reported. | 09/30/2019 | 09/03/2019 |
| 2965227470 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show contact with borrower regarding loan status and payment, promise to pay made.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227051 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/19/2019 |
| 2965226830 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer called wanted to know the principal balance,is the payment had been received, interest rate and next due<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/11/2019 |
| 2965226932 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss escrow shortage and general tax information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227113 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/05/2019 |
| 2965227394 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: No borrower contact evident within review period XX/XX/XXXX-XX/XX/XXXX. | 09/30/2019 | 10/15/2019 |
| 2965226931 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX the borrower was provided with the principal and escrow balances, next due date and current interest rate.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/14/2019 |
| 2965226929 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/09/2019 |
| 2965226955 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower discussed their late charge and placed a skip on their automatic draft payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/20/2019 |
| 2965227490 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Contact made with the borrower. The borrower promised a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965227814 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments show borrower called regarding loan status and payment, promise to pay taken. Comments show borrower requested 401k letter so she could request assistance and make payment and on mortgage.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965227361 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding payments and was enrolled in PayPlan account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/30/2019 |
| 2965227661 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer contacted the borrower on XX/XX/XXXX in regards to short term/long term options.The borrower informed the servicer of their commitment to pay $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 06/26/2019 |
| 2965227201 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/08/2019 |
| 2965227327 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower contacted the servicer on XX/XX/XXXX to schedule a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/13/2019 |
| 2965227013 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/01/2019 |
| 2965227026 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/02/2019 |
| 2965227364 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965227293 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/16/2019 |
| 2965227592 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The authorized third party contacted the servicer on XX/XX/XXXX to inquire about the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965226991 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965227049 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/03/2019 |
| 2965226863 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called and submitted the XX/XXXX installment. The borrower also advised that they were previously unemployed but now working and back on track.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965226867 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX Borrower inquired about escrow overage check. The loan information and monthly statement was discussed with the Borrower. Borrower stated will make XXX payment at a Branch on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/13/2019 |
| 2965226811 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was contacted on XX/XX/XXXX to request a payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 06/28/2019 |
| 2965227097 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. third party called to discuss a mis applied payment, stated that the account should show due for XXX research to continue Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is death of mortgagor.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/16/2019 |
| 2965227212 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer called in stating he mortgaged this property for his son who is making the payment but now his pay period has changed at work thus, he is requesting if the bank could change the payment due date his son will not have a late payment affecting his credit. Advised the bank is not able to change the due date.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/11/2019 |
| 2965226816 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/17/2019 |
| 2965227045 | 2 | [2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX the borrower called in concerned about Short and Long term Options.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/23/2019 |
| 2965227590 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer contacted the borrower on XX/XX/XXXX in regard to a short term/long term option and informed them that the collection activity will continue up to foreclosure. The borrower made a payment over the phone in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965227608 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to discuss fees that they owe and the agent let them know the amount owed in fees will show up on their bank statement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/19/2019 |
| 2965227452 | 3 | [3] Mortgagor Deceased - Not clear or no information on executor/heir<br>[2] Currently Delinquent Mortgage | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On X/XX/XX the borrower called in and verified the property is owner occupied. Provided the total amount past due and discussed both short and long term options Borrower was informed about the commitment to pay $X.XX by XX/XX/XXXX. Borrower provided verbal authorization to speak to a third party. Borrower is deceased and Not clear or no information on executor/heir. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/16/2019 |
| 2965227741 | 2 | [2] Currently Delinquent Mortgage<br>[1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. the customer called and mentioned that they would be providing the financial documents in XX-XX days<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. payment dispute resolved<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965227196 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower returned a call, Lender advised it was a follow up to see if they had any questions. They did not.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/11/2019 |
| 2965227858 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to confirm the payment that was made for this month has been posted. Confirm with the borrower that the payment was posted on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/08/2019 |
| 2965226813 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to confirm the amount due to reinstate the account.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/26/2019 |
| 2965226968 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The servicer contacted the borrower to see if they received the final modification documentation, the borrower advised yes and wants to speak with their attorney first.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 10/31/2019 |
| 2965227028 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/03/2019 |
| 2965227004 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/28/2019 |
| 2965226909 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower informed the servicer on XX/XX/XXXX that the payment will be made at the local branch on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/10/2019 |
| 2965226840 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: <br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965227651 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower was contacted about sending in the modification documents.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 07/19/2019 |
| 2965226843 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called loan is current but wants to know why loan amount keeps changing call transferred.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 06/25/2019 |
| 2965227586 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/11/2019 |
| 2965227370 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower returned out call and made a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/25/2019 |
| 2965226849 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in stated they will be sending back documents. Borrower asked about the modification and credit reporting, borrower also stated they might be interested in a XX-XX month forbearance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/26/2019 |
| 2965227243 | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to discuss the account delinquency. The borrower advised that they would submit a pay by phone on XX/XX/XXXX. The borrower also advised that they would see about making additional payments within the month. The borrower advised that the reason for default was due to reduced working hours which have since been returned to normal. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/05/2019 |
| 2965227419 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/23/2019 |
| 2965227670 | 2 | [2] Currently Delinquent Mortgage<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is unknown.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The primary borrower is deceased and death certificate received XX/XX/XXXX as noted on XX/XX/XXXX. | 09/30/2019 | 09/25/2019 |
| 2965226841 | 2 | [2] Loan is in Bankruptcy | LOAN STATUS: The current loan status is Bankruptcy.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 11/21/2019 |
| 2965227873 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower contact is to get an understanding of payments break downs due to interest only loan with escrow. Borrower has declined a few offers for retention.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 08/30/2019 |
| 2965227677 | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 09/27/2019 |
| 2965227378 | 3 | [3] Collection Comments - Incomplete -: Missing XX/XX/XXXX - XX/XX/XXXX | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Call received from borrower regarding their escrow.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 09/30/2019 | 12/02/2019 |

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## Exhibit 99.1

**Exhibit 99.1 Schedule 3**

![](tm235201d1_ex991-3img001.jpg)

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| **Unique ID** | **Customer Loan ID** | **Seller Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 1** | **Disposition 2** |
| 2965227746 | XXX | XXX | XXX | $XXX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227347 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227267 | XXX | XXX | XXX | $XXX | CA | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation:<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $480,732.38 is underdisclosed from calculated Finance Charge of $501,499.49 in the amount of $20,767.11.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure is in the payment stream<br> State Compliance - California Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state CA - max prepayment charge for CA ARM loan is 0% - note states 6 months interest. Lender is XXX |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227805 | XXX | XXX | XXX | $XXX | VA | 2/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2008, prior to three (3) business days from transaction date of XX/XX/2008.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227002 | XXX | XXX | XXX | $XXX | WA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227611 | XXX | XXX | XXX | $XXX | CO | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227439 | XXX | XXX | XXX | $XXX | KY | 5/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Kentucky Prepayment Penalty Test: Kentucky Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | State Compliance - Kentucky Prepayment Penalty Test: Prepayment penalty is expired. Penalty complies with restrictions per state (KY). |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226837 | XXX | XXX | XXX | $XXX | ID | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower.<br> [2] State Compliance - Idaho Prepayment Penalty: Idado Prepayment Penalty: Loan contains a prepayment penalty which was not disclosed separately in writing to borrower within three (3) days of application.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided): The Residential Mortgage Practices Act does not appear to provide for assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227265 | XXX | XXX | XXX | $XXX | SC | 9/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $254,584.20 is underdisclosed from calculated Finance Charge of $255,283.17 in the amount of $698.97.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2004, prior to three (3) business days from transaction date of XX/XX/2005.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the reason for the under disclosure |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | In | TILA SOL Expired B |
| 2965227307 | XXX | XXX | XXX | $XXX | VA | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation:<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - Virginia Prepayment Penalty: Virginia Prepayment Penalty: Loan on an owner-occupied property contains an impermissible prepayment penalty of greater than 2% of the prepaid balance; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | State Compliance - Virginia Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state VA - max prepayment charge for VA ARM/Fixed loan is 2% - note states 3,2,1%. Lender is XXX |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227182 | XXX | XXX | XXX | $XXX | IN | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227349 | XXX | XXX | XXX | $XXX | FL | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $274,961.21 is underdisclosed from calculated Finance Charge of $279,717.93 in the amount of $4,756.72.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure.The Itemization of Amount Financed includes the Loan Discount that a work around was applied. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227006 | XXX | XXX | XXX | $XXX | NC | 3/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2004, prior to three (3) business days from transaction date of XX/XX/2004.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both.<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | Out | State - NC |
| 2965227714 | XXX | XXX | XXX | $XXX | MS | 3/XX/2006 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227406 | XXX | XXX | XXX | $XXX | NJ | 2/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227698 | XXX | XXX | XXX | $XXX | GA | 6/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of X/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227538 | XXX | XXX | XXX | $XXX | VA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227175 | XXX | XXX | XXX | $XXX | CA | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $803,502.79 is underdisclosed from calculated Finance Charge of $803,586.18 in the amount of $83.39.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing breakdown of Itemization of Amount Financed charges |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227393 | XXX | XXX | XXX | $XXX | FL | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227565 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $651,253.05 is underdisclosed from calculated Finance Charge of $651,300.63 in the amount of $47.58.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a recording service fee of $46 as prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227076 | XXX | XXX | XXX | $XXX | CA | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227264 | XXX | XXX | XXX | $XXX | NC | 1/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] State Compliance - North Carolina CHL Tangible Net Benefit Test: North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2008, prior to three (3) business days from transaction date of XX/XX/2008.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - North Carolina CHL Tangible Net Benefit Test: Assignee liability is unclear. A holder of the loan may be exposed to the consequences if the loan is deemed usurious, resulting in forfeiture of all interest and return of twice the interest paid, or if the violation constitutes a deceptive act or practice, subjecting the holder to treble damages, but not both.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | Out | State - NC |
| 2965227628 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $693,855.09 is underdisclosed from calculated Finance Charge of $726,930.57 in the amount of $33,075.48.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Payment stream on Final TIL doesn't match calculated. Index used by lender is 3.36%, but the only available index is 3.56%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227173 | XXX | XXX | XXX | $XXX | GA | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227101 | XXX | XXX | XXX | $XXX | MA | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $485,638.79 is underdisclosed from calculated Finance Charge of $489,977.04 in the amount of $4,338.25.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.85% per the approval. The closest index value available in the lookback period is 4.9% but results in a higher payment for the final payment stream than was disclosed on the Final TIL. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | In | TILA SOL Expired B |
| 2965227792 | XXX | XXX | XXX | $XXX | IL | 9/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 3.46900% is underdisclosed from calculated APR of 4.41344% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $103,635.38 is underdisclosed from calculated Finance Charge of $140,926.64 in the amount of $37,291.26.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Approval indicates the Index used was 1.358%. The disclosed payment streams using the only index available in the look back period of 1.3033% does not correspond with the loan amount, loan term, and interest rate changes on the loan.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 1.358%. The disclosed payment streams using the only index available in the look back period of 1.3033% does not correspond with the loan amount, loan term, and interest rate changes on the loan. |  | Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226943 | XXX | XXX | XXX | $XXX | NV | 3/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226794 | XXX | XXX | XXX | $XXX | CA | 4/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation:<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | Appraisal not provided |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227582 | XXX | XXX | XXX | $XXX | CA | 1/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $454,578.43 is underdisclosed from calculated Finance Charge of $481,520.47 in the amount of $26,942.04.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 1.355% per the APR Fact Sheet. The closest index value available in the lookback period is 1.56333% but results in a higher payment for the final payment stream than was disclosed on the Final TIL. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227767 | XXX | XXX | XXX | $XXX | WI | 6/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - Wisconsin Prepayment Penalty ARM Testing: Wisconsin Prepayment Penalty: Loan contains impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | State Compliance - Wisconsin Prepayment Penalty ARM Testing: PPP Expired. Prepayment charge not allowed per state (WI) - max prepayment charge for WI ARM loan is 0% prior to XX/XX/06 - note states 2%, 2%,2%. Lender is XXX. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227623 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $508,106.25 is underdisclosed from calculated Finance Charge of $529,554.35 in the amount of $21,448.10.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to incorrect index used at origination of 4.318%. Lowest index available in look back period is 4.4825% |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227744 | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $517,071.91 is underdisclosed from calculated Finance Charge of $519,068.64 in the amount of $1,996.73.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Payment stream on final TIL does not match calculated payment stream. Lender used original index of 5.266%, but the only index available is 5.3083%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227585 | XXX | XXX | XXX | $XXX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 5.71700% is underdisclosed from calculated APR of 6.13630% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $670,729.90 is underdisclosed from calculated Finance Charge of $753,762.09 in the amount of $83,032.19.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 2.7%% per the approval, however the lowest index value available in the lookback period is 2.28%<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.7%% per the approval, however the lowest index value available in the lookback period is 2.28% |  | Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227288 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $819,527.00 is underdisclosed from calculated Finance Charge of $837,992.74 in the amount of $18,465.74.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.06% per the approval, however the lowest index value available in the lookback period is 3.14% |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227029 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,080,541.19 is underdisclosed from calculated Finance Charge of $1,145,713.72 in the amount of $65,172.53. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.240 % per the Approval, however the only index value available in the look back period is 3.46%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227125 | XXX | XXX | XXX | $XXX | NJ | 1/XX/2008 | Investment | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. | State Compliance - New Jersey Prepayment Penalty: PPP Expired. No prepayment penalties are permissible in the state of New Jersey - note states 2% . Lender is XXX. |  |  |  |  |  | - B |
| 2965227760 | XXX | XXX | XXX | $XXX | VA | 10/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $200,061.96 is underdisclosed from calculated Finance Charge of $203,603.66 in the amount of $3,541.70.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 1.950% per the Approval, however the only index value available in the lookback period is 1.970%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227600 | XXX | XXX | XXX | $XXX | OH | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Prepayment Penalty: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. | State Compliance - Ohio Prepayment Penalty: PPP Expired. Loan contains an impermissible prepayment penalty of greater than 1% of the original balance - note state 3%, 2% 1%.. Lender is XXX. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227216 | XXX | XXX | XXX | $XXX | CA | 10/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $878,575.64 is underdisclosed from calculated Finance Charge of $878,775.67 in the amount of $200.03.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: There is a Lender credit on line 219 for $250 which is not itemized therefore excluded. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227271 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227432 | XXX | XXX | XXX | $XXX | TX | 8/XX/2003 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226800 | XXX | XXX | XXX | $XXX | NC | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. | State Compliance - North Carolina First Lien Late Charge Percent Testing: Late charge of 5% exceeds max per State of 4% (NC) |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227434 | XXX | XXX | XXX | $XXX | AZ | 4/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227686 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227342 | XXX | XXX | XXX | $XXX | CA | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227730 | XXX | XXX | XXX | $XXX | CA | 3/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226860 | XXX | XXX | XXX | $XXX | AZ | 4/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227477 | XXX | XXX | XXX | $XXX | PA | 12/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required D |
| 2965227613 | XXX | XXX | XXX | $XXX | CA | 3/XX/2002 | Primary | Construction-Permanent |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $216,097.74 is underdisclosed from calculated Finance Charge of $216,370.19 in the amount of $272.45. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227612 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227531 | XXX | XXX | XXX | $XXX | CA | 6/XX/2005 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227568 | XXX | XXX | XXX | $XXX | CA | 4/XX/2008 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227842 | XXX | XXX | XXX | $XXX | CA | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227300 | XXX | XXX | XXX | $XXX | VA | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227448 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226900 | XXX | XXX | XXX | $XXX | FL | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227025 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227496 | XXX | XXX | XXX | $XXX | NJ | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. | State Compliance - New Jersey Prepayment Penalty: PPP Expired. No prepayment penalties are permissible in the state of New Jersey - note states 2%. Lender is XXX. |  |  |  |  |  | - B |
| 2965227321 | XXX | XXX | XXX | $XXX | CA | 3/XX/2007 | Investment | Refinance Cash-out - Home Improvement |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227166 | XXX | XXX | XXX | $XXX | VA | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226921 | XXX | XXX | XXX | $XXX | FL | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227695 | XXX | XXX | XXX | $XXX | CA | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227667 | XXX | XXX | XXX | $XXX | VA | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,355,522.39 is underdisclosed from calculated Finance Charge of $1,361,741.29 in the amount of $6,218.90.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Payment stream from Final TIL does not match calculated payment stream. Lender used original index value of 4.650%, but the only index in the dropdown is 4.73%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227483 | XXX | XXX | XXX | $XXX | MD | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | State Compliance - Maryland Prepayment Penalty Test: Prepayment penalty is expired. Prohibited per state (MD). |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227400 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Investment | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226859 | XXX | XXX | XXX | $XXX | FL | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $552,487.80 is underdisclosed from calculated Finance Charge of $577,055.08 in the amount of $24,567.28.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Payment stream from Final TIL does not match calculated. Lender used an Original Index Value of 3.460%. The only index available is 3.66%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227591 | XXX | XXX | XXX | $XXX | CA | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation:<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $461,513.36 is underdisclosed from calculated Finance Charge of $485,412.78 in the amount of $23,899.42.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.060% per the Approval, however the only index value available in the lookback period is 3.240%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226822 | XXX | XXX | XXX | $XXX | GA | 12/XX/2005 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $352,516.00 is underdisclosed from calculated Finance Charge of $370,105.76 in the amount of $17,589.76.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.06% per the approval, however the lowest index value available in the lookback period is 3.24%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227108 | XXX | XXX | XXX | $XXX | CA | 7/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $169,569.04 is underdisclosed from calculated Finance Charge of $175,786.27 in the amount of $6,217.23.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.610% per the Approval, however the only index value available in the look back period is 2.780%. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226790 | XXX | XXX | XXX | $XXX | NY | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $274,667.89 is underdisclosed from calculated Finance Charge of $286,968.14 in the amount of $12,300.25.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The only index used to run compliance was 2.89% and the index used at origination was 2.7%.<br> State Compliance - New York Late Charge Percent Testing: Late charge of 5% exceeds max late charge per State of 2% |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227831 | XXX | XXX | XXX | $XXX | CA | 7/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227717 | XXX | XXX | XXX | $XXX | CA | 7/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227202 | XXX | XXX | XXX | $XXX | TX | 8/XX/2001 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $142,947.85 is underdisclosed from calculated Finance Charge of $145,124.56 in the amount of $2,176.71. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to incomplete breakdown of prepaid finance charges from Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226953 | XXX | XXX | XXX | $XXX | AZ | 1/XX/2008 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227752 | XXX | XXX | XXX | $XXX | TX | 1/XX/2008 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226894 | XXX | XXX | XXX | $XXX | FL | 12/XX/2007 | Second Home | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227256 | XXX | XXX | XXX | $XXX | CA | 10/XX/2007 | Investment | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227782 | XXX | XXX | XXX | $XXX | DC | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] State Compliance - District of Columbia Prepayment Penalty: District of Columbia Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR HUD Deficiency |
| 2965227857 | XXX | XXX | XXX | $XXX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227147 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $674,229.99 is underdisclosed from calculated Finance Charge of $674,440.76 in the amount of $210.77.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Prepaid finance charge disclosed was $928.33. Fees charges on final HUD equal $1139.10 resulting in the under disclosure |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227371 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $448,766.14 is underdisclosed from calculated Finance Charge of $466,702.90 in the amount of $17,936.76.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.94 % per the approval however the lowest index value available in the lookback period is 4.11%. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227096 | XXX | XXX | XXX | $XXX | TX | 7/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.10500% is underdisclosed from calculated APR of 7.40880% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $231,998.67 is underdisclosed from calculated Finance Charge of $251,139.23 in the amount of $19,140.56. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.790 % per the Approval, however the only index value available in the look back period is 4.110%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.790 % per the Approval, however the only index value available in the look back period is 4.110%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227822 | XXX | XXX | XXX | $XXX | WA | 7/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.96800% is underdisclosed from calculated APR of 7.45383% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $349,356.68 is underdisclosed from calculated Finance Charge of $391,132.98 in the amount of $41,776.30. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.66% per the Approval. The closest index value available in the lookback period is 4.11% but results in a higher payment for the final payment stream than was disclosed on the Final TIL.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.66% per the Approval. The closest index value available in the lookback period is 4.11% but results in a higher payment for the final payment stream than was disclosed on the Final TIL. |  | Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227067 | XXX | XXX | XXX | $XXX | FL | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $258,385.05 is underdisclosed from calculated Finance Charge of $264,117.58 in the amount of $5,732.53.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to incorrect index used at origination of 3.36%. Lowest index available in look back period is 3.46% |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227356 | XXX | XXX | XXX | $XXX | WI | 2/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $268,511.39 is underdisclosed from calculated Finance Charge of $284,250.45 in the amount of $15,739.06.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] State Compliance - Wisconsin Prepayment Penalty ARM Testing: Wisconsin Prepayment Penalty: Loan contains impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.240 % per the Approval, however the only index value available in the look back period is 3.46%.<br> State Compliance - Wisconsin Prepayment Penalty ARM Testing: Prepayment penalty expired. Prohibited per state (WI). |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226835 | XXX | XXX | XXX | $XXX | FL | 9/XX/2004 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $213,972.22 is underdisclosed from calculated Finance Charge of $217,901.72 in the amount of $3,929.50. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 1.88% per the approval, however the lowest index value available in the lookback period is 1.94% |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226799 | XXX | XXX | XXX | $XXX | FL | 7/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227359 | XXX | XXX | XXX | $XXX | NH | 6/XX/2002 | Primary | Purchase |  | 3 | [3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227649 | XXX | XXX | XXX | $XXX | IL | 3/XX/2002 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $206,208.18 is underdisclosed from calculated Finance Charge of $208,192.56 in the amount of $1,984.38.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Application/Commitment Recap indicates the Index used was 3.15%. The disclosed payment streams using the only index available in the look back period of 3.04% does not correspond with the loan amount, loan term, and interest rate changes on the loan. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227080 | XXX | XXX | XXX | $XXX | TN | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $265,478.43 is underdisclosed from calculated Finance Charge of $265,542.70 in the amount of $64.27.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an recording service fee of $63 as prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227572 | XXX | XXX | XXX | $XXX | CA | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | State Compliance - California Prepayment Penalty: Prepayment penalty is expired. Prepayment penalty is within 6 months interest on amount prepaid in excess of 20% of OPB per state (CA). |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227731 | XXX | XXX | XXX | $XXX | TN | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation:<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Cross Collateralized Mortgage Loan: There are multiple properties securing the repayment of this loan. (Cross collateralized) The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Cross Collateralized Mortgage Loan: There are 2 parcels securing the mortgage. One is theborrower's primary residence and the other is an unimproved parcel. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227675 | XXX | XXX | XXX | $XXX | OH | 4/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2004, prior to three (3) business days from transaction date of XX/XX/2004.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Alternate Prepayment Penalty SMLA Test: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty which allows for a prepayment penalty on a refinance by the same lender. (applies only to Second Mortgage Loan Act registrants) |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226878 | XXX | XXX | XXX | $XXX | FL | 3/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227285 | XXX | XXX | XXX | $XXX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] State Compliance - California Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226815 | XXX | XXX | XXX | $XXX | CA | 1/XX/2006 | Investment | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227282 | XXX | XXX | XXX | $XXX | VA | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227756 | XXX | XXX | XXX | $XXX | CA | 6/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2004, prior to three (3) business days from transaction date of XX/XX/2004.<br> [2] State Compliance - California Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing |  |  | Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227254 | XXX | XXX | XXX | $XXX | CA | 3/XX/2013 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: Days before settlement not provided.: GFE Date: XX/XX/2012<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227754 | XXX | XXX | XXX | $XXX | CA | 5/XX/2013 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [3] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  | In | TILA SOL Expired B |
| 2965226858 | XXX | XXX | XXX | $XXX | TN | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227003 | XXX | XXX | XXX | $XXX | FL | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227164 | XXX | XXX | XXX | $XXX | PA | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227774 | XXX | XXX | XXX | $XXX | VA | 12/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $556,181.47 is underdisclosed from calculated Finance Charge of $559,970.77 in the amount of $3,789.30.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Lien protection fee of $120 or a recording service fee of $15 as prepaid finance charge. Underdisclosure due to daily simple monthly payment calculation. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227088 | XXX | XXX | XXX | $XXX | PA | 5/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2008, prior to three (3) business days from transaction date of XX/XX/2008.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227543 | XXX | XXX | XXX | $XXX | SC | 10/XX/2010 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: Unable to test GFE Estimate Available Through Date due to missing information.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | In | TILA SOL Expired B |
| 2965227110 | XXX | XXX | XXX | $XXX | MA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Massachusetts Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | State Compliance - Massachusetts Late Charge Percent Testing: 5% late charge exceeds 3% per state (MA) |  |  |  |  |  | - B |
| 2965227672 | XXX | XXX | XXX | $XXX | CA | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227284 | XXX | XXX | XXX | $XXX | CA | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227241 | XXX | XXX | XXX | $XXX | SC | 4/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $358,001.51 is underdisclosed from calculated Finance Charge of $359,454.67 in the amount of $1,453.16.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine index lender utilized for look back period |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | In | TILA SOL Expired B |
| 2965227502 | XXX | XXX | XXX | $XXX | CA | 8/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2003, prior to three (3) business days from transaction date of XX/XX/2003.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227815 | XXX | XXX | XXX | $XXX | CA | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226946 | XXX | XXX | XXX | $XXX | MA | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227616 | XXX | XXX | XXX | $XXX | CA | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227398 | XXX | XXX | XXX | $XXX | CA | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2008.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227372 | XXX | XXX | XXX | $XXX | CA | 7/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2008, prior to three (3) business days from transaction date of XX/XX/2008.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227262 | XXX | XXX | XXX | $XXX | MO | 3/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2004, prior to three (3) business days from transaction date of XX/XX/2004.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227391 | XXX | XXX | XXX | $XXX | NM | 11/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2008, prior to three (3) business days from transaction date of XX/XX/2008.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226872 | XXX | XXX | XXX | $XXX | FL | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226977 | XXX | XXX | XXX | $XXX | LA | 4/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227412 | XXX | XXX | XXX | $XXX | MA | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227790 | XXX | XXX | XXX | $XXX | VA | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226901 | XXX | XXX | XXX | $XXX | FL | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227141 | XXX | XXX | XXX | $XXX | NC | 4/XX/2001 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $201,704.04 is underdisclosed from calculated Finance Charge of $202,153.55 in the amount of $449.51. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227530 | XXX | XXX | XXX | $XXX | TN | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227596 | XXX | XXX | XXX | $XXX | CA | 1/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2008, prior to three (3) business days from transaction date of XX/XX/2008.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227587 | XXX | XXX | XXX | $XXX | CA | 4/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - Missing Document: HUD-1 Addendum not provided<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | Closing / Title - Missing Document: HUD-1 Addendum not provided: Line 1114 references "exhibit B' for $135 in fees but the exhibit is not in the file. |  |  |  | Tested | In | TR Tested D |
| 2965227287 | XXX | XXX | XXX | $XXX | PA | 10/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $335,294.92 is underdisclosed from calculated Finance Charge of $336,113.31 in the amount of $818.39.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227859 | XXX | XXX | XXX | $XXX | OH | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  | State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  |  | - B |
| 2965227511 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227102 | XXX | XXX | XXX | $XXX | WA | 8/XX/2005 | Second Home | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227796 | XXX | XXX | XXX | $XXX | OH | 7/XX/2005 | Primary | Refinance Cash-out - Home Improvement |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants)<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | State Compliance - Ohio Standard Prepayment Penalty SMLA: PPP Expired. Prepayment charge allowed per state {OH) - prepayment charge is allowed on a reginance if NOT by the original or assigned lender- note states 1% within the first 3 years. Lender is XXX. |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227747 | XXX | XXX | XXX | $XXX | LA | 1/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Louisiana Prepayment Penalty: Louisiana Prepayment Penalty (Residential Mortgage Lending Act): Loan contains impermissible prepayment penalty greater than 5% in year 1, 4% in year 2, 3% in year 3, 2% in year 4, or 1% in year 5; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | State Compliance - Louisiana Prepayment Penalty: Prepayment penalty is expired. 6 months interest o n the amount prepaid greater than 20% of the original principal amount exceeds 5%, 4%, 3% per state (LA). |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227461 | XXX | XXX | XXX | $XXX | TX | 8/XX/2006 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227247 | XXX | XXX | XXX | $XXX | CO | 6/XX/2005 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227286 | XXX | XXX | XXX | $XXX | GA | 8/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227191 | XXX | XXX | XXX | $XXX | CO | 11/XX/2007 | Primary | Construction-Permanent |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227811 | XXX | XXX | XXX | $XXX | MA | 11/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $496,534.30 is underdisclosed from calculated Finance Charge of $496,597.36 in the amount of $63.06.<br> [2] State Compliance - Massachusetts Prepayment Penalty: Massachusetts Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227778 | XXX | XXX | XXX | $XXX | MN | 10/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227800 | XXX | XXX | XXX | $XXX | OR | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227120 | XXX | XXX | XXX | $XXX | MD | 8/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 2 months interest calculated on 2/3 of the original balance.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227403 | XXX | XXX | XXX | $XXX | CA | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227031 | XXX | XXX | XXX | $XXX | NC | 5/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226906 | XXX | XXX | XXX | $XXX | FL | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227251 | XXX | XXX | XXX | $XXX | CA | 12/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $400,414.81 is underdisclosed from calculated Finance Charge of $412,924.09 in the amount of $12,509.28.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 1.97% per the Approval, however the lowest index value available in the lookback period is 2.00%. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226963 | XXX | XXX | XXX | $XXX | GA | 1/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227319 | XXX | XXX | XXX | $XXX | CA | 3/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $599,654.28 is underdisclosed from calculated Finance Charge of $633,429.50 in the amount of $33,775.22.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 1.96% per the Loan Approval, however the lowest index value available in the lookback period is 2.39%. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227183 | XXX | XXX | XXX | $XXX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $445,722.20 is underdisclosed from calculated Finance Charge of $456,824.76 in the amount of $11,102.56.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to incorrect index used at origination of 2.39%, lowest index available in look back period is %2.7 |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227771 | XXX | XXX | XXX | $XXX | CA | 7/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227495 | XXX | XXX | XXX | $XXX | CA | 7/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $495,238.89 is underdisclosed from calculated Finance Charge of $517,102.23 in the amount of $21,863.34.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.332% per the Approval, however the only index value available in the lookback period is 2.49167%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226997 | XXX | XXX | XXX | $XXX | CA | 8/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.28900% is underdisclosed from calculated APR of 6.56837% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $468,364.20 is underdisclosed from calculated Finance Charge of $505,414.97 in the amount of $37,050.77.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 2.61% per the approval, however the lowest index value available in the lookback period is 2.89%<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosed due to the lender utilizing an index value of 2.61% per approval, however the lowest index available in lookback period is 2.89%. |  | Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | In | TILA SOL Expired B |
| 2965227331 | XXX | XXX | XXX | $XXX | CA | 8/XX/2005 | Investment | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226981 | XXX | XXX | XXX | $XXX | FL | 1/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $253,608.18 is underdisclosed from calculated Finance Charge of $268,603.86 in the amount of $14,995.68.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.140 % per the Approval, however the only index value available in the look back period is 3.36%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227111 | XXX | XXX | XXX | $XXX | RI | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $271,691.74 is underdisclosed from calculated Finance Charge of $287,727.99 in the amount of $16,036.25.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to the lender utilizing an index value of 3.14% per the approval, however the lowest index available in lookback period is 3.36%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226965 | XXX | XXX | XXX | $XXX | CA | 2/XX/2006 | Primary | Purchase |  | 3 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,003,538.34 is underdisclosed from calculated Finance Charge of $1,062,127.14 in the amount of $58,588.80.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Payment stream on Final TIL does not match calculated. Lender used an original index value of 3.240%, but the only index value available is 3.46%.<br> State Compliance - California Prepayment Penalty ARM Test: Prepayment penalty is expired. Prepayment penalty does not allow prepayment within 90 days of notification of rate increase as required per state (CA), |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227723 | XXX | XXX | XXX | $XXX | CA | 4/XX/2006 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,212,421.83 is underdisclosed from calculated Finance Charge of $1,243,710.54 in the amount of $31,288.71.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to incorrect index of 3.36% used at origination. Lowest index available in lookback period is 3.46% |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227233 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $357,190.72 is underdisclosed from calculated Finance Charge of $366,321.77 in the amount of $9,131.05.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Payment stream on final TIL doesn't match calculated payment stream. Lender used an original index value of 3.360%. The only index available is 3.460%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227423 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,090,537.54 is underdisclosed from calculated Finance Charge of $1,151,066.04 in the amount of $60,528.50.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.360 % per the Approval, however the only index value available in the look back period is 3.56%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227739 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $563,907.78 is underdisclosed from calculated Finance Charge of $582,441.83 in the amount of $18,534.05.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure appears to be due to incorrect index used at origination of 3.66%, only index available in the look back period is 3.79% |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226842 | XXX | XXX | XXX | $XXX | FL | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.35700% is underdisclosed from calculated APR of 7.89299% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $505,782.37 is underdisclosed from calculated Finance Charge of $568,967.63 in the amount of $63,185.26.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to payment stream on Final TIL not matching calculated payment stream. Per the Approval, Lender used an original index value of 3.79%, published on XX/XX/2006. The only index value available is 4.34%, published on XX/XX/2006<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to payment stream on Final TIL not matching calculated payment stream. Per the Approval, Lender used an original index value of 3.79%, published on XX/XX/2006. The only index value available is 4.34%, published on XX/XX/2006 |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227836 | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226982 | XXX | XXX | XXX | $XXX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226984 | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227533 | XXX | XXX | XXX | $XXX | FL | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226854 | XXX | XXX | XXX | $XXX | CA | 6/XX/2007 | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227200 | XXX | XXX | XXX | $XXX | CA | 2/XX/2008 | UTD | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: RTC is missing from file |  | Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227054 | XXX | XXX | XXX | $XXX | NJ | 3/XX/2006 | Second Home | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227742 | XXX | XXX | XXX | $XXX | NY | 1/XX/2004 | Primary | Refinance UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2004, prior to three (3) business days from transaction date of XX/XX/2004.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2003.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227696 | XXX | XXX | XXX | $XXX | MA | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227388 | XXX | XXX | XXX | $XXX | OK | 9/XX/2005 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR TIL Deficiency B |
| 2965227850 | XXX | XXX | XXX | $XXX | FL | 2/XX/2006 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227537 | XXX | XXX | XXX | $XXX | GA | 9/XX/2002 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2002 used as disbursement date for compliance testing. |  | REVIEWER - GENERAL COMMENT (2018/XX/XX): Client provided HUD-1 but it is missing the 2nd page with all fees. Cannot complete testing. Exception remains.<br> SELLER - GENERAL COMMENT (2019/XX/XX): We have attached the fully executed Final HUD for your review. Supporting documents have been uploaded as 20420772_Compliance Documents.<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Missing Final HUD-1. HUD-1 provided is missing the second page with the seller and buyers fees. Exception remains for Missing Final HUD-1. |  |  | No | In | TNR Testing Not Required D |
| 2965227826 | XXX | XXX | XXX | $XXX | MA | 3/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2002.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  | Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227446 | XXX | XXX | XXX | $XXX | MA | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] State Compliance - Massachusetts Open End Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] State Compliance - Massachusetts Open End Late Charge Percent and Amount Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Right to Cancel is missing. |  | Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | In | TILA SOL Expired B |
| 2965227728 | XXX | XXX | XXX | $XXX | OH | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006. |  |  |  |  |  |  | - B |
| 2965227856 | XXX | XXX | XXX | $XXX | CO | 3/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227280 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226940 | XXX | XXX | XXX | $XXX | ME | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227781 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2004 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227228 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227866 | XXX | XXX | XXX | $XXX | MI | 7/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227867 | XXX | XXX | XXX | $XXX | AR | 1/XX/1999 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Closing / Title - TILA - Final TIL Missing<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | REVIEWER - GENERAL COMMENT (2019/XX/XX): Unable to clear exception with documentation that was provided. TIL received was the initial TIL.<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Unable to clear exception with documentation that was provided. TIL received was the initial TIL. | Closing / Title - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227512 | XXX | XXX | XXX | $XXX | GA | 11/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | "File does not contain either Preliminary or Final Title". |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2003.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227722 | XXX | XXX | XXX | $XXX | CA | 6/XX/2001 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Due On Sale Clause, Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Holder's right to foreclose | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $262,763.00 is underdisclosed from calculated Finance Charge of $264,925.87 in the amount of $2,162.87.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2000. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227193 | XXX | XXX | XXX | $XXX | NM | 3/XX/2001 | UTD | UTD UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  | SELLER - GENERAL COMMENT (2019/XX/XX): XXX has confirmed the loan file was processed and approved utilizing a XXX Class Application File Report (CAFR). The CAFR includes information regarding the Final 1003, Final HUD-1 and Final Title Report.<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): CAFR is not acceptable substitute for final title policy. Exception remains.<br> SELLER - GENERAL COMMENT (2019/XX/XX): XXX has confirmed the loan file was processed and approved utilizing a XXX Class Application File Report (CAFR). The CAFR includes information regarding the Final 1003, Final HUD-1 and Final Title Report.<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Still missing borrower signed final 1003. Exception remains. |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2000.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226828 | XXX | XXX | XXX | $XXX | NC | 12/XX/1999 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/1999. |  |  |  |  |  |  | - B |
| 2965226823 | XXX | XXX | XXX | $XXX | FL | 5/XX/2000 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227862 | XXX | XXX | XXX | $XXX | NJ | 3/XX/2007 | Investment | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006. |  |  |  |  |  |  | - B |
| 2965227176 | XXX | XXX | XXX | $XXX | SC | 11/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  | Tested | In | TR Tested B |
| 2965227258 | XXX | XXX | XXX | $XXX | CA | 9/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227766 | XXX | XXX | XXX | $XXX | NJ | 3/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2002.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: Appraisal is not provided. |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226864 | XXX | XXX | XXX | $XXX | FL | 5/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.<br> [3] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  | SELLER - GENERAL COMMENT (2019/XX/03): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 6%. This equates to an initial rate of 6%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 6%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 6%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose.<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains. | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | No | In | TNR Testing Not Required D |
| 2965227689 | XXX | XXX | XXX | $XXX | NY | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. The disclosure was signed and dated at closing |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227558 | XXX | XXX | XXX | $XXX | MD | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either preliminary or final |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] State Compliance - Maryland Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] State Compliance - Maryland Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006. | State Compliance - Maryland Late Charge Grace Period Testing: 10 day grace period is less than 15 day minimum per state (MD). |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226879 | XXX | XXX | XXX | $XXX | CA | 10/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227268 | XXX | XXX | XXX | $XXX | NV | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227027 | XXX | XXX | XXX | $XXX | CA | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $34,585.51 is underdisclosed from calculated Finance Charge of $34,713.37 in the amount of $127.86.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to resolve source of under disclosure due to missing TIL itemization |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227038 | XXX | XXX | XXX | $XXX | NY | 7/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not<br> signed or dated by borrower so cannot confirm that borrower received.<br> Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> State Compliance - New York Late Charge Percent Testing: 4% late charge exceeds the 2% maximum per state - NY. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227693 | XXX | XXX | XXX | $XXX | PA | 6/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2009.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227874 | XXX | XXX | XXX | $XXX | IL | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 10\\XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227180 | XXX | XXX | XXX | $XXX | GA | 10/XX/2001 | Primary | Refinance UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | "File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 2965227312 | XXX | XXX | XXX | $XXX | NY | 12/XX/2002 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Due On Sale Clause | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2002.<br> [2] State Compliance - New York Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | State Compliance - New York Late Charge Grace Period Testing: 10 day grace period less than 15 day minimum per state (NY)<br> State Compliance - New York Late Charge Percent Testing: The lesser of 5% or $35 late charge conforms with 2% maximum per state (NY) which is an amount of $36.55 |  |  |  |  |  | - B |
| 2965227518 | XXX | XXX | XXX | $XXX | MI | 2/XX/1999 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227751 | XXX | XXX | XXX | $XXX | CA | 12/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not<br> signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Tested | In | TR Tested B |
| 2965227765 | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not<br> signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227366 | XXX | XXX | XXX | $XXX | TX | 1/XX/2003 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2002. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965226805 | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $135,672.38 is underdisclosed from calculated Finance Charge of $135,886.03 in the amount of $213.65.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance charges are under disclosed due to fees. Unable to determine reason for under disclosure due to missing TIL Itemization.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227082 | XXX | XXX | XXX | $XXX | NC | 3/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226926 | XXX | XXX | XXX | $XXX | GA | 3/XX/2008 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not<br> dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not<br> signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227263 | XXX | XXX | XXX | $XXX | TX | 9/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227855 | XXX | XXX | XXX | $XXX | TX | 3/XX/2008 | Primary | Construction-Permanent |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227053 | XXX | XXX | XXX | $XXX | FL | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227700 | XXX | XXX | XXX | $XXX | NJ | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227803 | XXX | XXX | XXX | $XXX | GA | 10/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227878 | XXX | XXX | XXX | $XXX | DC | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - District of Columbia Prepayment Penalty: District of Columbia Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 2 months interest calculated on 2/3 of the original balance.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | State Compliance - District of Columbia Prepayment Penalty: PPP Expired. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227527 | XXX | XXX | XXX | $XXX | NJ | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  | - B |
| 2965227046 | XXX | XXX | XXX | $XXX | CO | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $305,462.82 is underdisclosed from calculated Finance Charge of $306,107.82 in the amount of $645.00.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Admin Fee of $615 as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227345 | XXX | XXX | XXX | $XXX | MS | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227641 | XXX | XXX | XXX | $XXX | PA | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD. | Verified - MI Cert indicates $48.36 per month. HUD-1 indicates $49.14 per month. |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226956 | XXX | XXX | XXX | $XXX | NC | 6/XX/2006 | Second Home | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $317,402.28 is underdisclosed from calculated Finance Charge of $317,867.71 in the amount of $465.43. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an attorney fee of $450, nor a request for notice fee of $140 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226847 | XXX | XXX | XXX | $XXX | TX | 5/XX/2006 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227710 | XXX | XXX | XXX | $XXX | NY | 7/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227809 | XXX | XXX | XXX | $XXX | OR | 12/XX/2004 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,761,765.37 is underdisclosed from calculated Finance Charge of $1,763,318.10 in the amount of $1,552.73.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the $1687.70 prepaid interest as a prepaid finance charges. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227580 | XXX | XXX | XXX | $XXX | IL | 10/XX/2004 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227804 | XXX | XXX | XXX | $XXX | VA | 11/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227516 | XXX | XXX | XXX | $XXX | VA | 1/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $234,359.17 is underdisclosed from calculated Finance Charge of $237,029.23 in the amount of $2,670.06. | Federal Compliance - Final TIL Finance Charge Under Disclosed: It appears a lower Index was used at origination than the 1.19% Index available within the look-back period. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227639 | XXX | XXX | XXX | $XXX | IL | 12/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227318 | XXX | XXX | XXX | $XXX | GA | 10/XX/2001 | UTD | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2001.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227557 | XXX | XXX | XXX | $XXX | KY | 6/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. |  |  |  |  |  |  | - B |
| 2965227498 | XXX | XXX | XXX | $XXX | PA | 3/XX/2005 | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227447 | XXX | XXX | XXX | $XXX | CA | 10/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - HELOC Fees Used For Testing: Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227237 | XXX | XXX | XXX | $XXX | WA | 8/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227569 | XXX | XXX | XXX | $XXX | CA | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227683 | XXX | XXX | XXX | $XXX | VA | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227170 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227012 | XXX | XXX | XXX | $XXX | FL | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226797 | XXX | XXX | XXX | $XXX | FL | 12/XX/2005 | Investment | Purchase |  | 3 | [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226949 | XXX | XXX | XXX | $XXX | FL | 6/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965226898 | XXX | XXX | XXX | $XXX | TX | 9/XX/2007 | Investment | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007. |  |  |  |  |  |  | - B |
| 2965226838 | XXX | XXX | XXX | $XXX | FL | 3/XX/2008 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007. |  |  |  |  |  |  | - B |
| 2965227016 | XXX | XXX | XXX | $XXX | PA | 6/XX/2007 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006. |  |  |  |  |  |  | - B |
| 2965226885 | XXX | XXX | XXX | $XXX | FL | 9/XX/2005 | Investment | Purchase |  | 3 | [3] Closing / Title - (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I: Note P&I of $680.00 does not match Calculated P&I of $702.67 |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226834 | XXX | XXX | XXX | $XXX | AZ | 11/XX/2006 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227060 | XXX | XXX | XXX | $XXX | FL | 8/XX/2005 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226848 | XXX | XXX | XXX | $XXX | AZ | 9/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226806 | XXX | XXX | XXX | $XXX | FL | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.<br> [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  | SELLER - GENERAL COMMENT (2019/XX/XX): The issue cited has either been resolved or was determined to not be an exception as noted. Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 7.50% and margin is -.260%. This equates to an initial rate of 7.240%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 7.240%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.240%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose. Supporting documents have been uploaded as XXX#XXX_Compliance Documents<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains. | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | No | In | TNR Testing Not Required D |
| 2965227066 | XXX | XXX | XXX | $XXX | FL | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226862 | XXX | XXX | XXX | $XXX | FL | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2008, prior to three (3) business days from transaction date of XX/XX/2008.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226809 | XXX | XXX | XXX | $XXX | FL | 4/XX/2008 | Investment | Refinance UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  | - B |
| 2965227401 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227309 | XXX | XXX | XXX | $XXX | RI | 12/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227442 | XXX | XXX | XXX | $XXX | TX | 4/XX/2002 | Primary | Purchase |  | 3 | [3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD. |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227777 | XXX | XXX | XXX | $XXX | SC | 10/XX/2002 | Primary | Refinance Rate/Term |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $168,149.96 is underdisclosed from calculated Finance Charge of $168,261.16 in the amount of $111.20.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is fee related due to TIL Itemization not including the following fees in prepaid finance charges: $35 Credit Report, $100 Mobile Home Detitleing Fee (per the HUD) $50 Fax Fee. There is a slight payment over disclosure of $38.80 resulting in an overall under disclosure of $111.20. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227605 | XXX | XXX | XXX | $XXX | CA | 4/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | State Compliance - California Prepayment Penalty ARM Test: Note that a lender may choose to make a variable rate loan under Cal Civ Code 1920c.12 in which case the borrower must be permitted to prepay the loan in whole or in part without a prepayment charge at any time. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227123 | XXX | XXX | XXX | $XXX | OK | 12/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227799 | XXX | XXX | XXX | $XXX | CA | 5/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227753 | XXX | XXX | XXX | $XXX | CA | 8/XX/2005 | Investment | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005. |  |  |  |  | No | In | TNR Testing Not Required D |
| 2965227294 | XXX | XXX | XXX | $XXX | MA | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006. |  |  | State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  |  | - B |
| 2965227119 | XXX | XXX | XXX | $XXX | MO | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006. |  |  |  |  |  |  | - B |
| 2965226836 | XXX | XXX | XXX | $XXX | NC | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227274 | XXX | XXX | XXX | $XXX | MD | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226933 | XXX | XXX | XXX | $XXX | TX | 8/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227736 | XXX | XXX | XXX | $XXX | MD | 10/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227107 | XXX | XXX | XXX | $XXX | NH | 1/XX/2008 | Second Home | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965226873 | XXX | XXX | XXX | $XXX | NC | 9/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227798 | XXX | XXX | XXX | $XXX | GA | 6/XX/2003 | UTD | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2002.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965226856 | XXX | XXX | XXX | $XXX | GA | 3/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $229,880.54 is underdisclosed from calculated Finance Charge of $230,002.03 in the amount of $121.49.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226920 | XXX | XXX | XXX | $XXX | OH | 6/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227577 | XXX | XXX | XXX | $XXX | NC | 2/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227563 | XXX | XXX | XXX | $XXX | TX | 8/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $120,452.49 is underdisclosed from calculated Finance Charge of $121,162.28 in the amount of $709.79.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the fee under disclosure due to missing itemization of amount financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965226827 | XXX | XXX | XXX | $XXX | SC | 4/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  | Tested | In | TR Tested B |
| 2965227018 | XXX | XXX | XXX | $XXX | FL | 8/XX/2003 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing page 2 of 2 |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 2965226970 | XXX | XXX | XXX | $XXX | WA | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227132 | XXX | XXX | XXX | $XXX | VA | 6/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227646 | XXX | XXX | XXX | $XXX | VA | 1/XX/2008 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226974 | XXX | XXX | XXX | $XXX | AZ | 4/XX/2008 | Second Home | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227662 | XXX | XXX | XXX | $XXX | CA | 4/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227360 | XXX | XXX | XXX | $XXX | MA | 12/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227669 | XXX | XXX | XXX | $XXX | MD | 1/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227210 | XXX | XXX | XXX | $XXX | IL | 5/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 2965227229 | XXX | XXX | XXX | $XXX | MI | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227711 | XXX | XXX | XXX | $XXX | GA | 12/XX/2001 | Primary | Refinance UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 2965227070 | XXX | XXX | XXX | $XXX | MI | 8/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227830 | XXX | XXX | XXX | $XXX | DC | 5/XX/2009 | Investment | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2008. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227336 | XXX | XXX | XXX | $XXX | GA | 4/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226814 | XXX | XXX | XXX | $XXX | FL | 1/XX/2005 | Investment | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 2965227024 | XXX | XXX | XXX | $XXX | GA | 1/XX/2007 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 2965227010 | XXX | XXX | XXX | $XXX | FL | 4/XX/2007 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227387 | XXX | XXX | XXX | $XXX | CA | 3/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $205,989.06 is underdisclosed from calculated Finance Charge of $207,193.16 in the amount of $1,204.10.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL Itemization did not disclose an admin fee of $625, a flood cert fee of $8, a funding fee of $165, a loan tie in fee of $150, a sub escrow fee of $60, a tax service fee of $78, title courier fee of $50, and underwriting fee of $495 and wire fees of $125 as prepaid finance charges. The TIL itemization reflected a prepaid interest of $$335.94 that is reflected on the hud at $551.08 and a settlement/closing fee of $500 that is reflected on the hud at $1,045.25 as prepaid finance charges. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226897 | XXX | XXX | XXX | $XXX | AZ | 2/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226936 | XXX | XXX | XXX | $XXX | MA | 4/XX/2008 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227326 | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | Primary | Purchase |  | 3 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement date and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227559 | XXX | XXX | XXX | $XXX | WA | 3/XX/2008 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $3,039,078.16 is underdisclosed from calculated Finance Charge of $3,039,123.97 in the amount of $45.81.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227727 | XXX | XXX | XXX | $XXX | NV | 3/XX/2008 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227047 | XXX | XXX | XXX | $XXX | NC | 8/XX/2004 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 2965227023 | XXX | XXX | XXX | $XXX | MI | 4/XX/2004 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226896 | XXX | XXX | XXX | $XXX | NC | 3/XX/2002 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | "File does not contain either Preliminary or Final Title". |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA HELOC - Billing Rights Disclosure Missing : TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227517 | XXX | XXX | XXX | $XXX | NC | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - North Carolina First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] State Compliance - North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. | General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: appraisal report missing<br> State Compliance - North Carolina First Lien Late Charge Grace Period Testing: 10 day grace period is less than 15 days per state of North Carolina.<br> State Compliance - North Carolina First Lien Late Charge Percent Testing: 5% late charge exceeds maximum late charge of 4% per state of North Carolina. |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227583 | XXX | XXX | XXX | $XXX | SC | 7/XX/2005 | Investment | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  | - B |
| 2965227205 | XXX | XXX | XXX | $XXX | SC | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | In | TILA SOL Expired B |
| 2965226941 | XXX | XXX | XXX | $XXX | OR | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [3] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Oregon Late Charge Grace Period Testing: Note grace period less than minimum per state. | State Compliance - Oregon Late Charge Grace Period Testing: Grace period not allowed per state (OR) - min grace period for OR is 15 days - note states 10 days. |  | Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227192 | XXX | XXX | XXX | $XXX | NV | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227627 | XXX | XXX | XXX | $XXX | WA | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227104 | XXX | XXX | XXX | $XXX | FL | 7/XX/2007 | Investment | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227425 | XXX | XXX | XXX | $XXX | CA | 5/XX/2002 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] State Compliance - California Primary Residence Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2002 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227827 | XXX | XXX | XXX | $XXX | CA | 9/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227272 | XXX | XXX | XXX | $XXX | CA | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227652 | XXX | XXX | XXX | $XXX | CA | 4/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either a Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: appraisal report missing |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227450 | XXX | XXX | XXX | $XXX | NY | 7/XX/1998 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title.<br> Final 1003 is missing |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1998 which is 1 months prior to consummation. A lookback was performed to determine this application date. | General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: Appraisal was not in file |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227820 | XXX | XXX | XXX | $XXX | GA | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226995 | XXX | XXX | XXX | $XXX | TN | 7/XX/2002 | Investment | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  | - B |
| 2965226895 | XXX | XXX | XXX | $XXX | TN | 7/XX/2002 | Investment | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  | - B |
| 2965227039 | XXX | XXX | XXX | $XXX | TN | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [3] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227208 | XXX | XXX | XXX | $XXX | PA | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. | State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Grace period not allowed per state (PA) - min grace period for PA is 15 days - note states 10 days. |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227555 | XXX | XXX | XXX | $XXX | NJ | 12/XX/2002 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227868 | XXX | XXX | XXX | $XXX | NJ | 5/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] State Compliance - New Jersey Home Loan (Late Charge): Unable to determine if loan contains an impermissible late charge due to missing information.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2004, prior to three (3) business days from transaction date of XX/XX/2004.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | State Compliance - New Jersey Home Loan (Late Charge): Unable to determine late charge percentage as P&I not stated on Note; maximum late charge per state of NJ is 5%.<br> State Compliance - New Jersey Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state of NJ; no prepayment charge is allowed in NJ - note states $250 for 12 months. |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - New Jersey Home Loan (Late Charge): Assignee Liability: Assignees and purchasers of New Jersey high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the New Jersey Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | Late Charge |
| 2965227411 | XXX | XXX | XXX | $XXX | NJ | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] State Compliance - New Jersey Home Loan (Late Charge): New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. | State Compliance - New Jersey Home Loan (Late Charge): 10 day grace period less than 15 day minimum per state (NJ)<br> General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: Appraisal not provided in the file. |  | State Compliance - New Jersey Home Loan (Late Charge): Assignee Liability: Assignees and purchasers of New Jersey high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the New Jersey Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | Late Charge |
| 2965226798 | XXX | XXX | XXX | $XXX | NJ | 4/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] State Compliance - New Jersey Home Loan (Late Charge): New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | State Compliance - New Jersey Home Loan (Late Charge): Grace period min not allowed per state (NJ) - min grace period for NJ is 15 days - note states 10 |  | State Compliance - New Jersey Home Loan (Late Charge): Assignee Liability: Assignees and purchasers of New Jersey high cost home loans are subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor of the loan. Section 6(c) of the Act also provides that a borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee: (1) Within six years of the closing of covered home loan, a violation of the Act as an original action or as a defense, claim, or counterclaim; and (2) At any time during the term of a high cost home loan a defense, claim or counterclaim. The aforementioned may both be brought after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated, the debt arising from the home loan has been accelerated, or the home loan has become 60 days in default. Further, the Act contains a choice of law provision permitting actions under either the New Jersey Consumer Fraud Act ("NJCFA"), which possibly allow for class actions, or the Act. The July 6, 2004 amendments clarify that a defense, claim, or counterclaim may only be brought in an individual capacity and may not be asserted in a class action. Additionally, the statute provides for punitive damages.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | Late Charge |
| 2965227872 | XXX | XXX | XXX | $XXX | MA | 3/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227550 | XXX | XXX | XXX | $XXX | MA | 2/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227382 | XXX | XXX | XXX | $XXX | PA | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [3] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state. |  |  | Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227428 | XXX | XXX | XXX | $XXX | MA | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] State Compliance - Massachusetts Open End Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | In | TILA SOL Expired B |
| 2965227118 | XXX | XXX | XXX | $XXX | MO | 7/XX/2002 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2002 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227137 | XXX | XXX | XXX | $XXX | AR | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227713 | XXX | XXX | XXX | $XXX | AR | 9/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226889 | XXX | XXX | XXX | $XXX | NM | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227386 | XXX | XXX | XXX | $XXX | NM | 12/XX/2007 | Investment | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 2 | [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227015 | XXX | XXX | XXX | $XXX | IL | 11/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227847 | XXX | XXX | XXX | $XXX | NY | 6/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2008, prior to three (3) business days from transaction date of XX/XX/2008.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: RTC not signed. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227564 | XXX | XXX | XXX | $XXX | OH | 3/XX/2010 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $161,535.80 is underdisclosed from calculated Finance Charge of $161,595.68 in the amount of $59.88.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to $60 Subordination Recording Fee charged on HUD not included in prepaid finance charges on Itemization of Amount Financed plus a $0.12 payment variance. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | In | TILA SOL Expired B |
| 2965227240 | XXX | XXX | XXX | $XXX | MA | 9/XX/2013 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227033 | XXX | XXX | XXX | $XXX | GA | 10/XX/2013 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $47,699.20 is underdisclosed from calculated Finance Charge of $47,764.22 in the amount of $65.02.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization of amount financed does not reflects a $65 funding fee as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227507 | XXX | XXX | XXX | $XXX | TX | 12/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227344 | XXX | XXX | XXX | $XXX | MA | 11/XX/2013 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227706 | XXX | XXX | XXX | $XXX | FL | 3/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227431 | XXX | XXX | XXX | $XXX | NY | 9/XX/2005 | Second Home | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227390 | XXX | XXX | XXX | $XXX | MD | 6/XX/1999 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 2965227092 | XXX | XXX | XXX | $XXX | PA | 10/XX/2002 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226907 | XXX | XXX | XXX | $XXX | FL | 4/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227019 | XXX | XXX | XXX | $XXX | TX | 5/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information): Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. | General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: missing appraisal report |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227758 | XXX | XXX | XXX | $XXX | IL | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226922 | XXX | XXX | XXX | $XXX | GA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Miscellaneous Compliance - Unable to determine the # of units, compliance results were generated using a defaulted value.: Valuation Type: Stated / Valuation Report Date: XX/XX/2007 | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227567 | XXX | XXX | XXX | $XXX | NY | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> State Compliance - New York Late Charge Percent Testing: 4% late charge exceeds 2% per state (NY) |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227719 | XXX | XXX | XXX | $XXX | NY | 1/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] State Compliance - New York Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information. | State Compliance - New York Late Charge Grace Period Testing: 10 day grace period less than 15 day minimum per state (NY) |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227167 | XXX | XXX | XXX | $XXX | NY | 1/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Prepayment penalty not permissible on an adjustable rate loan less than $250,000 and an introductory period less than 5 years. |  |  | Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226818 | XXX | XXX | XXX | $XXX | FL | 7/XX/2018 | Second Home | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Please provide Home Replacement Cost Estimator |  |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XX/XX/2018)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender Required Survey Fee. Fee Amount of $425.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77175)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $160.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $616.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/XX/2018)<br> [2] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. | Federal Compliance - TRID Final Closing Disclosure Finance Charge: The final CD indicates a Finance Charge of $214,745.44 which doesn't match the calculated Finance Charge of $214,968.44. with a variance of -$223.00<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No COC or cure was provided to the borrower for tolerance overages<br> Federal Compliance - TRID Home Loan Toolkit Provided: Disclosure was not located in the file |  | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Home Loan Toolkit Provided: TILA - 1yr affirmative. |  |  | In | TRID SOL Expired B |
| 2965226880 | XXX | XXX | XXX | $XXX | FL | 11/XX/2017 | Primary | Purchase | Safe Harbor QM | 3 | [3] Insurance Analysis - The Hazard Insurance Policy effective date is after the Transaction Date.: Hazard Insurance Policy Effective Date XX/XX/2017, Transaction Date: XX/XX/2017 | The loan closed XX/XX/2017 but the insurance reflects an effective date of XX/XX/2017. |  |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 5,061.96 on Final Closing Disclosure provided on XX/XX/2017 not accurate. (Final/XX/XX/2017)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $160.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103)<br> [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $385.44 on Final Closing Disclosure provided on XX/XX/2017 not accurate. (Final/XX/XX/2017)<br> [2] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/XX/2017)<br> [2] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: The Final CD disclosed Monthly Tax amount as $244.00. The tax certificate calculated as $140.49 monthly<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The initial LE did not reflect the Appraisal Re-Inspection Fee which exceeds the zero percent tolerance. No COC or cure was provided to the borrower for tolerance overages<br> Federal Compliance - Unknown Loan Designation: Please provide loan designation.<br> Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: No evidence of early receipt was located in the file<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No COC or cure was provided to the borrower for tolerance overages<br> Federal Compliance - TRID Home Loan Toolkit Provided: The our Home Loan Toolkit Disclosure does not appear to have been provided to the applicant. |  | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Home Loan Toolkit Provided: TILA - 1yr affirmative. |  |  | Out | TILA ATR/QM C B |
| 2965227679 | XXX | XXX | XXX | $XXX | IN | 9/XX/2018 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227860 | XXX | XXX | XXX | $XXX | MA | 8/XX/2008 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] State Compliance - Massachusetts Borrower's Interest Tangible Net Benefit Test: Massachusetts Home Loan: Unable to determine if mortgage loan was refinanced within 60 months without providing a tangible net benefit to the borrower due to missing prior loan information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | State Compliance - Massachusetts Borrower's Interest Tangible Net Benefit Test: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | Out | State - NC |
| 2965227396 | XXX | XXX | XXX | $XXX | MA | 6/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227440 | XXX | XXX | XXX | $XXX | MA | 9/XX/2010 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227472 | XXX | XXX | XXX | $XXX | MA | 1/XX/2009 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Massachusetts Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable | State Compliance - Massachusetts Late Charge Percent Testing: 5% late charge exceeds 3% maximum per state (NY) |  |  |  |  |  | - B |
| 2965227350 | XXX | XXX | XXX | $XXX | MA | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Massachusetts Prepayment Penalty: Massachusetts Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 3 months interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | State Compliance - Massachusetts Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA ARM loan is 3 months - note states 2%, 2%, 2%. Lender is XXX. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965226989 | XXX | XXX | XXX | $XXX | MA | 2/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227653 | XXX | XXX | XXX | $XXX | MA | 1/XX/2008 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Massachusetts Late Charge Percent Testing: Note late charge exceeds maximum per state. | State Compliance - Massachusetts Late Charge Percent Testing: 5% late charge exceeds $6000 maximum per state (MA) |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Tested | In | TR Tested B |
| 2965227385 | XXX | XXX | XXX | $XXX | MA | 5/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227131 | XXX | XXX | XXX | $XXX | RI | 7/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2004, prior to three (3) business days from transaction date of XX/XX/2004.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] State Compliance - Rhode Island Prepayment Penalty NonPurchase Test: Rhode Island Prepayment Penalty: Non-purchase loan contains a prepayment penalty which was not disclosed to the borrower in writing. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227509 | XXX | XXX | XXX | $XXX | RI | 3/XX/2013 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.<br> [3] State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis.<br> [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided.<br> [3] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [3] Federal Compliance - 2011 TIL-MDIA - P&I Payment Inaccurate: Truth in Lending Act (MDIA 2011): Payment amount on the Final TIL does not match the P&I payment for the loan.<br> [3] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information. |  |  | State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - P&I Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Liability appears to be limited to originators/licensees. |  |  | Out | State - NC |
| 2965226918 | XXX | XXX | XXX | $XXX | RI | 5/XX/2011 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.<br> [3] State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis.<br> [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  | State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |  |  | Out | State - NC |
| 2965227763 | XXX | XXX | XXX | $XXX | RI | 1/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed): Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed.<br> [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis.<br> [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed): Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed.<br> [3] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] State Compliance - Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided): Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided Timely): Missing lender's application |  | State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided Timely): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (High Cost Analysis Not In File): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely): "Assignee Liability: A borrower may bring a claim against an assignee or subsequent holder of a high cost home loan under two separate provisions of the Act. The rights conferred on borrowers by these two provisions are independent of each other and do not limit each other. <br> (1) Any person who purchases or is otherwise assigned a high cost home loan will be subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor. Significantly, this liability does not appear to be independently capped or subject to any limitations periods. Further, class actions appear to be permitted. <br> (2) A borrower may also assert against any subsequent holder or assignee of a high cost home loan any claims that the borrower could assert against the original creditor. Any such claims must be brought only in an individual capacity and are limited to amounts required to reduce or extinguish the borrower's liability under the high cost home loan plus costs, including reasonable attorneys' fees.<br> Effective June 20, 2007, HB 5485 and SB 371 revise the liability provisions to create one single cause of action against assignees. As revised, any person who purchases or is otherwise assigned a high cost home loan will continue to be subject to all affirmative claims and any defenses that the borrower could assert against the original creditor. Any such claims must be brought only in an individual capacity and are limited to amounts required to reduce or extinguish the borrower's liability under the high cost home loan plus costs, including reasonable attorneys' fees. Any such claim may be asserted by a borrower acting only in an individual capacity and must be asserted as follows: (a) Within five years of the closing of a high cost home loan, if the claim is an original action relating to a violation of the Act; and (b) With respect to any defense, claim, counterclaim, or action to enjoin foreclosure or preserve or obtain possession of the home that secures the loan, at any time during the term of the high cost home loan, after an action to collect on the high cost home loan or foreclose on the collateral securing the high cost home loan has been initiated or the debt arising from the high cost home loan has been accelerated or the high cost home loan has become sixty days in default."<br>State Compliance - Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | Out | State - NC |
| 2965226987 | XXX | XXX | XXX | $XXX | NH | 5/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $340,822.20 is underdisclosed from calculated Finance Charge of $351,631.50 in the amount of $10,809.30.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Approval indicates the Index was 4.146, the lowest Index in look back period is 4.2871 |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227052 | XXX | XXX | XXX | $XXX | NH | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227635 | XXX | XXX | XXX | $XXX | CT | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut Prepayment Penalty: Prepayment penalty not permissible by state law under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | State Compliance - Connecticut Prepayment Penalty Test: "PPP Expired. Prepayment charge not allowed per state CT - max prepayment charge for CT ARM loan is 0% - note states 6 months interest. Lender is XXX. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | In | TILA SOL Expired B |
| 2965227374 | XXX | XXX | XXX | $XXX | CT | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227604 | XXX | XXX | XXX | $XXX | CT | 9/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227438 | XXX | XXX | XXX | $XXX | CT | 8/XX/2003 | Primary | Refinance UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227261 | XXX | XXX | XXX | $XXX | CT | 9/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  | - B |
| 2965226868 | XXX | XXX | XXX | $XXX | CT | 10/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227699 | XXX | XXX | XXX | $XXX | CT | 7/XX/2001 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $141,058.14 is underdisclosed from calculated Finance Charge of $141,980.21 in the amount of $922.07.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227465 | XXX | XXX | XXX | $XXX | CT | 11/XX/2005 | Primary | Refinance Limited Cash-out GSE |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut Prepayment Penalty: Prepayment penalty not permissible by state law under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | State Compliance - Connecticut Prepayment Penalty Test: Prepayment penalty not applicable for state of Conn |  |  |  |  |  | - B |
| 2965226846 | XXX | XXX | XXX | $XXX | CT | 7/XX/2011 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |  |  |  | - B |
| 2965227257 | XXX | XXX | XXX | $XXX | CT | 10/XX/2004 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227610 | XXX | XXX | XXX | $XXX | CT | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 5.94000% is underdisclosed from calculated APR of 6.23167% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $444,975.49 is underdisclosed from calculated Finance Charge of $481,550.77 in the amount of $36,575.28.<br> [2] State Compliance - Connecticut Prepayment Penalty Test: Connecticut Prepayment Penalty: Prepayment penalty not permissible by state law under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under-disclosure appears to be due to ARM index. Lowest index within look back period is 3.36%, approval states index is 3.06%<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure appears to be due to ARM index. Lowest index within look back period is 3.36%, approval states index is 3.06%<br> State Compliance - Connecticut Prepayment Penalty Test: PPP Expired. Prepayment charge not allowed per state (CT) - max prepayment charge for CT ARM loan is 0% - note states 2%, 2%, 2%. Lender is XXX. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227853 | XXX | XXX | XXX | $XXX | NJ | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227043 | XXX | XXX | XXX | $XXX | NJ | 1/XX/2009 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227738 | XXX | XXX | XXX | $XXX | NJ | 4/XX/2007 | Second Home | Refinance UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 2965227270 | XXX | XXX | XXX | $XXX | NJ | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 5.83200% is underdisclosed from calculated APR of 6.15732% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $508,543.67 is underdisclosed from calculated Finance Charge of $557,606.24 in the amount of $49,062.57.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 2.163% per the Approval, however the lowest index value available in the look back period is 2.49167%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.163% per the Approval, however the lowest index value available in the look back period is 2.49167%.<br> State Compliance - New Jersey Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state NJ - note states 2%, 2%, 2%. Lender is XXX. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227690 | XXX | XXX | XXX | $XXX | NJ | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $349,637.23 is underdisclosed from calculated Finance Charge of $392,895.21 in the amount of $43,257.98.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.751% per the Rate Lock, however the lowest index value available in the look back period is 3.88830%.<br> State Compliance - New Jersey Prepayment Penalty: Prepayment penalty is expired. Prohibited per state (NJ). |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227560 | XXX | XXX | XXX | $XXX | NJ | 1/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2003, prior to three (3) business days from transaction date of XX/XX/2003.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227532 | XXX | XXX | XXX | $XXX | NJ | 4/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227485 | XXX | XXX | XXX | $XXX | NJ | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226994 | XXX | XXX | XXX | $XXX | NJ | 2/XX/2005 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  | - B |
| 2965227317 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $766,807.78 is underdisclosed from calculated Finance Charge of $766,959.44 in the amount of $151.66.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Underdisclosed due to the lender utilizing an index vaue of 4.0817 per funding checklist, however the closest index available in lookback period is 4.0706%. |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227305 | XXX | XXX | XXX | $XXX | NJ | 5/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD. |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 2965227839 | XXX | XXX | XXX | $XXX | NJ | 6/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  | - B |
| 2965227206 | XXX | XXX | XXX | $XXX | NJ | 3/XX/1993 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $45,771.66 is underdisclosed from calculated Finance Charge of $45,914.74 in the amount of $143.08. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization of amount financed does not contain a breakdown of the Prepaid Finance Charges. However, it lists a total of $2188.06 and the HUD Prepaid Finance Charges total $2331.06. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227061 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2007 | Second Home | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  | - B |
| 2965227008 | XXX | XXX | XXX | $XXX | NJ | 6/XX/2013 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: TIL did not reflect the required verbiage<br> [3] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [3] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.<br> [3] Federal Compliance - Incorrect TIL Form Used: Truth in Lending Act (MDIA 2011): TIL disclosure not compliant under MDIA<br> [3] Federal Compliance - 2011 TIL-MDIA - 'No guarantee to Refinance' Statement Missing: Truth in Lending Act (MDIA 2011): Final TIL does not contain required 'No guarantee to Refinance' statement.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  | Closing / Title - (Doc Error) TIL Error: TIL did not reflect the required verbiage: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect TIL Form Used: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - 2011 TIL-MDIA - 'No guarantee to Refinance' Statement Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TR Tested B |
| 2965227634 | XXX | XXX | XXX | $XXX | NJ | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226883 | XXX | XXX | XXX | $XXX | NJ | 11/XX/2006 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $944,542.95 is underdisclosed from calculated Finance Charge of $963,304.69 in the amount of $18,761.74.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New Jersey Prepayment Penalty: New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The Index used on the Approval is 4.49%, however, the lowest Index available on our drop down is 4.65%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227658 | XXX | XXX | XXX | $XXX | NJ | 10/XX/2002 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $358,775.10 is underdisclosed from calculated Finance Charge of $359,029.87 in the amount of $254.77.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2002, prior to three (3) business days from transaction date of XX/XX/2002.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2002 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR HUD Deficiency |
| 2965227841 | XXX | XXX | XXX | $XXX | NJ | 8/XX/2005 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $207,421.79 is underdisclosed from calculated Finance Charge of $207,561.95 in the amount of $140.16.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a Courier fee of $75.00 and a wire fee of $15.00 as prepaid finance charges.<br> TIL itemization disclosed a Settlement Agent fee of $500.00, however the HUD-1 shows the actual amount was $300.00. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227436 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.34500% is underdisclosed from calculated APR of 6.77499% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $371,941.47 is underdisclosed from calculated Finance Charge of $405,002.40 in the amount of $33,060.93.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 2.70% per the Approval, however the lowest index value available in the look back period is 2.97%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.70% per the Approval, however the lowest index value available in the look back period is 2.97%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226874 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2012 | UTD | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  | Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227632 | XXX | XXX | XXX | $XXX | NY | 2/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $268,209.85 is underdisclosed from calculated Finance Charge of $275,714.51 in the amount of $7,504.66.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.080% per the Loan Commitment and Approval, however the lowest index value available in the look back period is 2.190%.<br> State Compliance - New York Late Charge Percent Testing: NY is only allowed 2% and note stated 5% for a late fee |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227726 | XXX | XXX | XXX | $XXX | NY | 10/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227824 | XXX | XXX | XXX | $XXX | NY | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227462 | XXX | XXX | XXX | $XXX | NY | 10/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  | - B |
| 2965227864 | XXX | XXX | XXX | $XXX | NY | 8/XX/2003 | Primary | Refinance UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227145 | XXX | XXX | XXX | $XXX | NY | 1/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227343 | XXX | XXX | XXX | $XXX | NY | 12/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227501 | XXX | XXX | XXX | $XXX | NY | 9/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state. | State Compliance - New York Late Charge Percent Testing: 5% late charge exceeds 2% maximum per state (NY). |  |  |  |  |  | - B |
| 2965226801 | XXX | XXX | XXX | $XXX | NY | 4/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $718,477.66 is underdisclosed from calculated Finance Charge of $732,459.95 in the amount of $13,982.29.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.011% per the closing instructions, however the lowest index value available in the lookback period is 4.1425%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227211 | XXX | XXX | XXX | $XXX | NY | 9/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  | - B |
| 2965227779 | XXX | XXX | XXX | $XXX | NY | 5/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227576 | XXX | XXX | XXX | $XXX | NY | 9/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227292 | XXX | XXX | XXX | $XXX | NY | 3/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2008, prior to three (3) business days from transaction date of XX/XX/2008.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | State Compliance - New York Late Charge Percent Testing: 4% late charge exceeds 2% maximum per state (NY). |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227724 | XXX | XXX | XXX | $XXX | NY | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227606 | XXX | XXX | XXX | $XXX | NY | 11/XX/1998 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $242,025.69 is underdisclosed from calculated Finance Charge of $242,128.86 in the amount of $103.17. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227647 | XXX | XXX | XXX | $XXX | NY | 10/XX/2006 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227877 | XXX | XXX | XXX | $XXX | NY | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.<br> [3] Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] State Compliance - New York Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state. | State Compliance - New York Late Charge Grace Period Testing: 10 day grace period is less than 15 day minimum per state of NY.<br> State Compliance - New York Late Charge Percent Testing: Greater of $10 or 5% late charge exceeds maximum 2% per state of NY. |  | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 2965227225 | XXX | XXX | XXX | $XXX | NY | 7/XX/2005 | Primary | Refinance UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] State Compliance - New York Late Charge Percent Testing: Note late charge exceeds maximum per state. | State Compliance - New York Late Charge Percent Testing: 5% late charge exceeds 2% maximum per state (NY). |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 2965227358 | XXX | XXX | XXX | $XXX | NY | 8/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227007 | XXX | XXX | XXX | $XXX | NY | 1/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $168,364.63 is underdisclosed from calculated Finance Charge of $168,579.72 in the amount of $215.09.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227626 | XXX | XXX | XXX | $XXX | NY | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  | - B |
| 2965227734 | XXX | XXX | XXX | $XXX | NY | 3/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $225,899.28 is underdisclosed from calculated Finance Charge of $226,003.32 in the amount of $104.04. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine fee portion under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227685 | XXX | XXX | XXX | $XXX | NY | 8/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227818 | XXX | XXX | XXX | $XXX | NY | 7/XX/2001 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $126,964.62 is underdisclosed from calculated Finance Charge of $127,417.96 in the amount of $453.34. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an Attorney fee of $400.00 or a tax service fee of $79.00 as a prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227310 | XXX | XXX | XXX | $XXX | PA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $670,908.37 is underdisclosed from calculated Finance Charge of $690,135.40 in the amount of $19,227.03.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Approval shows that the Index used was 2.504% but the lowest Index in the Drop Down is 2.6333%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227762 | XXX | XXX | XXX | $XXX | PA | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227504 | XXX | XXX | XXX | $XXX | PA | 7/XX/2013 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Liability appears to be limited to originators/licensees. |  |  |  | - B |
| 2965227668 | XXX | XXX | XXX | $XXX | PA | 5/XX/2008 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227617 | XXX | XXX | XXX | $XXX | PA | 5/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227384 | XXX | XXX | XXX | $XXX | PA | 6/XX/2006 | Primary | Refinance Cash-out - Home Improvement |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $530,811.22 is underdisclosed from calculated Finance Charge of $530,846.33 in the amount of $35.11.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing protection letter of $35 was not included in the prepaid finance charges of the Itemization of Amount Financed, this is the cause of the variance. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227075 | XXX | XXX | XXX | $XXX | PA | 5/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227050 | XXX | XXX | XXX | $XXX | PA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227399 | XXX | XXX | XXX | $XXX | PA | 10/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $147,337.47 is underdisclosed from calculated Finance Charge of $151,788.23 in the amount of $4,450.76.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2004, prior to three (3) business days from transaction date of XX/XX/2004.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a CPL Fee of $35 and Broker Fee of $350 as prepaid finance charges; also, a Settlement/Misc Fee of $115.50 was listed on Itemization that was not charged on the HUD. Payment stream portion of under disclosure is due to index; unable to determine index used by lender. Minimum index available within lookback period used for testing purposes. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227729 | XXX | XXX | XXX | $XXX | PA | 9/XX/2002 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227845 | XXX | XXX | XXX | $XXX | PA | 9/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227426 | XXX | XXX | XXX | $XXX | PA | 7/XX/2010 | Primary | Purchase |  | 3 | [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2010 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: Unable to determine Servicing Disclosure Statement was provided due to missing information. |  |  | Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227871 | XXX | XXX | XXX | $XXX | PA | 3/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2003, prior to three (3) business days from transaction date of XX/XX/2003.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227869 | XXX | XXX | XXX | $XXX | PA | 4/XX/2009 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2009 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required D |
| 2965227429 | XXX | XXX | XXX | $XXX | PA | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  | - B |
| 2965227829 | XXX | XXX | XXX | $XXX | PA | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227548 | XXX | XXX | XXX | $XXX | DE | 12/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227464 | XXX | XXX | XXX | $XXX | DC | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: It is not date with the signature.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227705 | XXX | XXX | XXX | $XXX | DC | 7/XX/2009 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227226 | XXX | XXX | XXX | $XXX | VA | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.56000% is underdisclosed from calculated APR of 6.85409% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $667,062.81 is underdisclosed from calculated Finance Charge of $725,658.26 in the amount of $58,595.45.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.46% per the Approval, however the lowest index value available in the look back period is 3.790%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.46% per the Approval, however the lowest index value available in the look back period is 3.790%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227445 | XXX | XXX | XXX | $XXX | VA | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $600,738.26 is underdisclosed from calculated Finance Charge of $616,273.39 in the amount of $15,535.13.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.4600% per the loan approval, however the lowest index value available in the lookback period is 3.5600%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227674 | XXX | XXX | XXX | $XXX | VA | 5/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227666 | XXX | XXX | XXX | $XXX | MD | 2/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227486 | XXX | XXX | XXX | $XXX | MD | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Miscellaneous Compliance - (Doc Error) RTC Error: Right to Cancel expiration date is blank.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $827,635.77 is underdisclosed from calculated Finance Charge of $827,939.17 in the amount of $303.40.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date greater than Deal Start Date.: Unable to determine if Rescission expiration date provided by lender on Notice of Right to Cancel has expired as of time of review due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Miscellaneous Compliance - (Doc Error) RTC Error: Right to Cancel expiration date is blank.: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date greater than Deal Start Date.: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227381 | XXX | XXX | XXX | $XXX | MD | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  | - B |
| 2965227417 | XXX | XXX | XXX | $XXX | MD | 7/XX/2004 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227154 | XXX | XXX | XXX | $XXX | MD | 12/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227821 | XXX | XXX | XXX | $XXX | MD | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227357 | XXX | XXX | XXX | $XXX | MD | 2/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $319,391.65 is underdisclosed from calculated Finance Charge of $336,112.12 in the amount of $16,720.47.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.14% per the (document type), <br> however the lowest index value available in the lookback period is 3.36%.<br> State Compliance - Maryland Prepayment Penalty Test: Effective June 1, 2008, a lender may not require or authorize the imposition of a penalty fee, premium, or other charge in<br> the event the mortgage loan48 is prepaid in whole or in part. Md. Code Ann., Comm. Law § 12-105(d).<br> Prior to that date, a prepayment penalty could be charged if the loan was prepaid within three years from the date the<br> loan is made and the penalty did not exceed two months' advance interest on the aggregate amount of all prepayments<br> made in any 12-month period, in excess of 1/3 the amount of the original loan. Md. Code Ann., Comm. Law § 12-<br> 105(c)(4). Further, a prepayment penalty could not be charged if the "effective rate of simple interest"49 exceeded<br> 8%. Md. Code Ann., Comm. Law § 12-103 |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227499 | XXX | XXX | XXX | $XXX | MD | 9/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $460,975.14 is underdisclosed from calculated Finance Charge of $461,060.29 in the amount of $85.15.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the source of discrepancy without the TIL Itemization of Amount Financed. The discrepancy appears to be fee related. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227709 | XXX | XXX | XXX | $XXX | MD | 4/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227776 | XXX | XXX | XXX | $XXX | MD | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | State Compliance - Maryland Prepayment Penalty Test: PPP expired. Prepayment charge not allowed per state (MD) - max prepayment charge for MD is two months advance interest on the aggregate amount of all prepayments made in any 12-month period, in excess of 1/3 the amount of the original loan - note states two months advance interest on the aggregate of all prepayments made in any 12-month period in excess of 33% of the amount of the original loan. Lender is XXX. |  |  |  |  |  | - B |
| 2965227660 | XXX | XXX | XXX | $XXX | MD | 7/XX/2008 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Maryland Ability to Repay Not Verified: Maryland SB270: Borrower's ability to repay not verified with reliable documentation.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Maryland Ability to Repay Not Verified: No express provisions for assignee liability<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227654 | XXX | XXX | XXX | $XXX | MD | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227640 | XXX | XXX | XXX | $XXX | MD | 8/XX/2012 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $146,301.80 is underdisclosed from calculated Finance Charge of $147,661.98 in the amount of $1,360.18.<br> [3] Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided): Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided): Assignee liability is unclear.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227630 | XXX | XXX | XXX | $XXX | MD | 7/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227479 | XXX | XXX | XXX | $XXX | MD | 8/XX/2005 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $285,611.04 is underdisclosed from calculated Finance Charge of $285,701.03 in the amount of $89.99.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227846 | XXX | XXX | XXX | $XXX | MD | 8/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227535 | XXX | XXX | XXX | $XXX | MD | 4/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227619 | XXX | XXX | XXX | $XXX | MD | 1/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $318,248.27 is underdisclosed from calculated Finance Charge of $318,428.71 in the amount of $180.44.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227410 | XXX | XXX | XXX | $XXX | MD | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $332,459.26 is underdisclosed from calculated Finance Charge of $346,309.41 in the amount of $13,850.15.<br> [2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.46% per the Approval, however the lowest index value available in the look back period is 3.660%.<br> State Compliance - Maryland Prepayment Penalty Test: Prepayment penalty is expired. Not permitted per state (MD). |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227581 | XXX | XXX | XXX | $XXX | VA | 8/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2003, prior to three (3) business days from transaction date of XX/XX/2003.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227844 | XXX | XXX | XXX | $XXX | VA | 6/XX/2008 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227546 | XXX | XXX | XXX | $XXX | VA | 2/XX/2013 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - Federal HPML 2009 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.88690% or Final Disclosure APR of 4.88900% is in excess of allowable threshold of APOR 3.38% + 1.5%, or 4.88000%. Non-Compliant Higher Priced Mortgage Loan.<br> [3] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established): Federal Higher-Priced Mortgage Loan: Mandatory escrow account not established on 1st lien mortgage loan.<br> [3] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified): Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $379,588.84 is underdisclosed from calculated Finance Charge of $379,733.85 in the amount of $145.01.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2013, prior to three (3) business days from transaction date of XX/XX/2013.<br> [3] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2013 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2012 which is 2 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization of Amount Financed (Contained In Note/TIL) does not list the 145 Attorney fee in the Prepaid Finance charges. |  | Federal Compliance - Federal HPML 2009 Non Compliant: TILA HPML - Subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | Out | FHPML - NC B |
| 2965227296 | XXX | XXX | XXX | $XXX | VA | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226817 | XXX | XXX | XXX | $XXX | VA | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227597 | XXX | XXX | XXX | $XXX | VA | 6/XX/2002 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $113,351.12 is underdisclosed from calculated Finance Charge of $113,699.56 in the amount of $348.44.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a release tracking fee of $19, a settlement fee of $300 and a courier fee of $45 as prepaid finance charge. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227290 | XXX | XXX | XXX | $XXX | VA | 7/XX/2012 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $127,955.82 is underdisclosed from calculated Finance Charge of $128,643.94 in the amount of $688.12.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is fee related. Itemization not provided. Unable to verify reason for under disclosure without the Itemization. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |  |  | In | TILA SOL Expired B |
| 2965227692 | XXX | XXX | XXX | $XXX | VA | 6/XX/2003 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227488 | XXX | XXX | XXX | $XXX | VA | 12/XX/2011 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2011, prior to three (3) business days from transaction date of 12/XX/2011.<br> [3] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2011 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227832 | XXX | XXX | XXX | $XXX | WV | 8/XX/2001 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227291 | XXX | XXX | XXX | $XXX | WV | 2/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Miscellaneous Compliance - (Doc Error) RTC Error: Right to Cancel expiration date is blank.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $165,098.50 is underdisclosed from calculated Finance Charge of $165,486.44 in the amount of $387.94.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Unable to test RTC expiration date due to missing information.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Miscellaneous Compliance - (Doc Error) RTC Error: Right to Cancel expiration date is blank.: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Tested | In | TR Tested B |
| 2965227151 | XXX | XXX | XXX | $XXX | NC | 7/XX/2012 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $108,178.20 is underdisclosed from calculated Finance Charge of $108,390.25 in the amount of $212.05.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226973 | XXX | XXX | XXX | $XXX | NC | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $197,986.96 is underdisclosed from calculated Finance Charge of $198,385.70 in the amount of $398.74. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is fee related. No itemization was provided. However, the only fee paid by borrower is Attorney's Fee $398.74. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227011 | XXX | XXX | XXX | $XXX | NC | 9/XX/2007 | Investment | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - North Carolina First Lien Late Charge Grace Period Testing: Note grace period less than minimum per state.<br> [2] State Compliance - North Carolina First Lien Late Charge Percent Testing: Note late charge exceeds maximum per state. | State Compliance - North Carolina First Lien Late Charge Grace Period Testing: 10 day grace period is less than 15 days required per state (NC).<br> State Compliance - North Carolina First Lien Late Charge Percent Testing: 6% late charge is greater than 4% maximum per state (NC). |  |  |  |  |  | - B |
| 2965226845 | XXX | XXX | XXX | $XXX | NC | 1/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227266 | XXX | XXX | XXX | $XXX | NC | 6/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227525 | XXX | XXX | XXX | $XXX | NC | 9/XX/2010 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226791 | XXX | XXX | XXX | $XXX | NC | 1/XX/2010 | Second Home | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227801 | XXX | XXX | XXX | $XXX | SC | 12/XX/2002 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226988 | XXX | XXX | XXX | $XXX | SC | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 12.08000% is underdisclosed from calculated APR of 12.26556% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $72,059.40 is underdisclosed from calculated Finance Charge of $72,260.22 in the amount of $200.82.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Under disclosure due to discrepancy in payment amount on Note. Payment per Note is $1426.33. Calculated payment is $1449.04.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL itemization did not include the following fee(s) as prepaid finance charges: Attorney's Fee $200.00. |  | Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | In | TILA SOL Expired B |
| 2965227044 | XXX | XXX | XXX | $XXX | SC | 10/XX/2011 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 2965227837 | XXX | XXX | XXX | $XXX | SC | 8/XX/2011 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $171,748.12 is underdisclosed from calculated Finance Charge of $172,971.65 in the amount of $1,223.53.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | In | TILA SOL Expired B |
| 2965227152 | XXX | XXX | XXX | $XXX | SC | 12/XX/2007 | Primary | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 2965226850 | XXX | XXX | XXX | $XXX | SC | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 2965226888 | XXX | XXX | XXX | $XXX | SC | 8/XX/2011 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | In | TILA SOL Expired B |
| 2965226998 | XXX | XXX | XXX | $XXX | SC | 3/XX/1998 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $79,545.71 is underdisclosed from calculated Finance Charge of $79,595.78 in the amount of $50.07. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization of Amount Financed, (included in the Note/TIL) does not list the $50 Attorney fee in the Prepaid Finance Charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227757 | XXX | XXX | XXX | $XXX | SC | 7/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  |  | - B |
| 2965226795 | XXX | XXX | XXX | $XXX | SC | 7/XX/2011 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $127,210.40 is underdisclosed from calculated Finance Charge of $128,393.95 in the amount of $1,183.55.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Liability appears to be limited to originators/licensees.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | In | TILA SOL Expired B |
| 2965226972 | XXX | XXX | XXX | $XXX | SC | 11/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 2965226886 | XXX | XXX | XXX | $XXX | SC | 6/XX/2001 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227298 | XXX | XXX | XXX | $XXX | SC | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $245,105.78 is underdisclosed from calculated Finance Charge of $245,310.86 in the amount of $205.08.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL itemization did not include the following fee(s) as prepaid finance charges: Attorney's Fee $200.00. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | In | TILA SOL Expired B |
| 2965227112 | XXX | XXX | XXX | $XXX | GA | 6/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226884 | XXX | XXX | XXX | $XXX | GA | 5/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226919 | XXX | XXX | XXX | $XXX | GA | 8/XX/2006 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR HUD Deficiency |
| 2965227081 | XXX | XXX | XXX | $XXX | GA | 2/XX/2002 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227077 | XXX | XXX | XXX | $XXX | GA | 11/XX/2006 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226983 | XXX | XXX | XXX | $XXX | GA | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227377 | XXX | XXX | XXX | $XXX | GA | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226950 | XXX | XXX | XXX | $XXX | GA | 5/XX/2003 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $155,748.43 is underdisclosed from calculated Finance Charge of $156,068.20 in the amount of $319.77. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226893 | XXX | XXX | XXX | $XXX | GA | 1/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227199 | XXX | XXX | XXX | $XXX | GA | 6/XX/2006 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227691 | XXX | XXX | XXX | $XXX | GA | 2/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227337 | XXX | XXX | XXX | $XXX | GA | 9/XX/2006 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $281,899.88 is underdisclosed from calculated Finance Charge of $282,366.34 in the amount of $466.46.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226952 | XXX | XXX | XXX | $XXX | FL | 5/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965226964 | XXX | XXX | XXX | $XXX | FL | 2/XX/2004 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226844 | XXX | XXX | XXX | $XXX | FL | 1/XX/2002 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227430 | XXX | XXX | XXX | $XXX | FL | 1/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226903 | XXX | XXX | XXX | $XXX | FL | 2/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 2965226986 | XXX | XXX | XXX | $XXX | FL | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $306,913.49 is underdisclosed from calculated Finance Charge of $319,811.01 in the amount of $12,897.52.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.520% per the approval, however the lowest index value available in the look back period is 2.70%, in addition the Final TIL Finance Charge is under-disclosed due to incorrect payment stream between Final TIL and actual TIL calculation. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227037 | XXX | XXX | XXX | $XXX | FL | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $319,526.51 is underdisclosed from calculated Finance Charge of $323,078.96 in the amount of $3,552.45.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.490% per the approval, however the lowest index value available in the look back period is 4.600%, in addition the Final TIL Finance Charge is under-disclosed due to incorrect payment stream between Final TIL and actual TIL calculation. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227823 | XXX | XXX | XXX | $XXX | FL | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965226993 | XXX | XXX | XXX | $XXX | FL | 10/XX/2005 | UTD | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 2965226882 | XXX | XXX | XXX | $XXX | FL | 9/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227629 | XXX | XXX | XXX | $XXX | FL | 9/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226857 | XXX | XXX | XXX | $XXX | FL | 10/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required D |
| 2965227299 | XXX | XXX | XXX | $XXX | FL | 1/XX/2008 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226908 | XXX | XXX | XXX | $XXX | FL | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  | - B |
| 2965226948 | XXX | XXX | XXX | $XXX | FL | 1/XX/2009 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  | - B |
| 2965227073 | XXX | XXX | XXX | $XXX | FL | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226978 | XXX | XXX | XXX | $XXX | FL | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227157 | XXX | XXX | XXX | $XXX | FL | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $218,095.18 is underdisclosed from calculated Finance Charge of $230,014.99 in the amount of $11,919.81.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Loan approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 4.9967%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226793 | XXX | XXX | XXX | $XXX | FL | 11/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227230 | XXX | XXX | XXX | $XXX | FL | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $146,691.25 is underdisclosed from calculated Finance Charge of $148,284.34 in the amount of $1,593.09.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.730% per the loan approval, however the lowest index value available in the lookback period is 4.790%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226899 | XXX | XXX | XXX | $XXX | FL | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $468,852.07 is underdisclosed from calculated Finance Charge of $493,771.89 in the amount of $24,919.82. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.560% per the Loan Commitment and Approval, however the lowest index value available in the look back period is 3.790%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226944 | XXX | XXX | XXX | $XXX | FL | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $509,669.27 is underdisclosed from calculated Finance Charge of $534,605.42 in the amount of $24,936.15.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Federal Compliance - Final TIL Finance Charge Under Disclosed: It appears a lower Index was used at origination on approval is 3.46% lowest Index available within the look-back period is 3.66% |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226958 | XXX | XXX | XXX | $XXX | FL | 3/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $405,648.21 is underdisclosed from calculated Finance Charge of $429,933.40 in the amount of $24,285.19. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure of $24,285.19 is due to the lender utilizing an index value of 3.240% per the Approval, however the lowest index value available in the look back period is 3.460%. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226916 | XXX | XXX | XXX | $XXX | FL | 4/XX/2007 | Primary | Refinance Cash-out - Home Improvement |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226939 | XXX | XXX | XXX | $XXX | FL | 10/XX/2004 | UTD | UTD UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 2965227009 | XXX | XXX | XXX | $XXX | FL | 2/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226808 | XXX | XXX | XXX | $XXX | FL | 2/XX/2010 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE and HUD 10% Fees without a cure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 1/HUD 801 Fees without a cure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 2/HUD 802 Fees without a cure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 8/HUD 1203 Transfer Tax Fees without a cure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block A/HUD 803 Fees without a cure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: Unable to test GFE Estimate Available Through Date due to missing information.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: Unable to determine if the Good Faith Estimate column on page 3 of the Final HUD-1 is accurate as compared to the most recently disclosed Good Faith Estimate due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Incorrect GFE Form Used: RESPA (2010) - Good Faith Estimate not on the proper 2010 GFE form.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: Unable to determine if the Good Faith Estimate was provided due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: Unable to determine if the Final GFE indicates the loan contains an escrow payment due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: Unable to determine if the Final GFE reflects the actual interest rate due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: Unable to determine if the Final GFE reflects the actual Loan Amount due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: Unable to determine if the Final GFE reflects the actual Loan Term due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: Unable to determine if the Final GFE reflects the actual payment due to missing information.<br> [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: Unable to determine if the HUD-1 column on page 3 of the Final HUD-1 is accurate as compared to the charges on page 2 of the disclosure due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 indicates the loan contains an escrow payment due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual interest rate due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual Loan Amount due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual Loan Term due to missing information.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: Unable to determine if the Final HUD-1 reflects the actual payment due to missing information.<br> [2] Federal Compliance - RESPA - Incorrect HUD-1 Form Used: Unable to determine if the Final HUD-1 Settlement Statement is on the proper 2010 form due to missing information.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Incorrect GFE Form Used: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Term on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Term on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Incorrect HUD-1 Form Used: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227153 | XXX | XXX | XXX | $XXX | FL | 9/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $222,014.20 is underdisclosed from calculated Finance Charge of $232,281.06 in the amount of $10,266.86.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.70% per the Approval, however the lowest index value available in the lookback period is 2.89%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227817 | XXX | XXX | XXX | $XXX | FL | 3/XX/2013 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |  |  | In | TILA SOL Expired B |
| 2965226812 | XXX | XXX | XXX | $XXX | FL | 7/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 7.29200% is underdisclosed from calculated APR of 7.59189% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $153,276.46 is underdisclosed from calculated Finance Charge of $157,602.66 in the amount of $4,326.20.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Lump sum seller credit of $6510 reflected on HUD-1, however the loan file does not itemize which fees this credit is applied to so it has not been included in testing. |  | Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226831 | XXX | XXX | XXX | $XXX | FL | 3/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $350,382.47 is underdisclosed from calculated Finance Charge of $368,928.97 in the amount of $18,546.50.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.36% per the loan approval, however the lowest index value available in the lookback period is 3.56%. |  | Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965226876 | XXX | XXX | XXX | $XXX | FL | 5/XX/2010 | Primary | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227005 | XXX | XXX | XXX | $XXX | FL | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227030 | XXX | XXX | XXX | $XXX | FL | 12/XX/2006 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226829 | XXX | XXX | XXX | $XXX | FL | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226959 | XXX | XXX | XXX | $XXX | AL | 2/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227570 | XXX | XXX | XXX | $XXX | AL | 6/XX/2009 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  | - B |
| 2965227631 | XXX | XXX | XXX | $XXX | AL | 7/XX/2011 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $118,519.20 is underdisclosed from calculated Finance Charge of $120,215.77 in the amount of $1,696.57.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under compliance - itemization of amount financed not found in file |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - SAFE Act - NMLS Info Not in File: Liability appears to be limited to originators/licensees. |  |  | In | TILA SOL Expired B |
| 2965227819 | XXX | XXX | XXX | $XXX | AL | 2/XX/2007 | Primary | Refinance Limited Cash-out GSE |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227615 | XXX | XXX | XXX | $XXX | AL | 9/XX/2011 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $110,235.12 is underdisclosed from calculated Finance Charge of $110,830.67 in the amount of $595.55.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227020 | XXX | XXX | XXX | $XXX | TN | 8/XX/2010 | UTD | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Closing / Title - TILA - Final TIL Missing<br> [3] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Unable to determine if the initial escrow account statement is compliant based on missing information.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Closing / Title - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA - Initial GFE Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227870 | XXX | XXX | XXX | $XXX | TN | 5/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2008, prior to three (3) business days from transaction date of XX/XX/2008.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] State Compliance - Tennessee Prepayment Penalty Test: Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227220 | XXX | XXX | XXX | $XXX | TN | 3/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227048 | XXX | XXX | XXX | $XXX | MS | 12/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227519 | XXX | XXX | XXX | $XXX | MS | 12/XX/2007 | Primary | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227505 | XXX | XXX | XXX | $XXX | KY | 5/XX/2012 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - First Change Date on GFE Inaccurate: RESPA (2010): First Change Date on GFE does not match First Change Date on Note.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  | Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - First Change Date on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227733 | XXX | XXX | XXX | $XXX | KY | 9/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226942 | XXX | XXX | XXX | $XXX | KY | 6/XX/1999 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/1999 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 2965227277 | XXX | XXX | XXX | $XXX | KY | 4/XX/2005 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227155 | XXX | XXX | XXX | $XXX | OH | 3/XX/2008 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226820 | XXX | XXX | XXX | $XXX | OH | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227195 | XXX | XXX | XXX | $XXX | OH | 2/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Ohio Standard Prepayment Penalty SMLA: Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | State Compliance - Ohio Standard Prepayment Penalty SMLA: PPP expired. Prepayment penalty IS permissible per state of OH as this is not a 2nd mortgage transaction. Prepayment penalty of 1% of original balance within the first 5 years is permitted on a 1st mortgage transaction - Note states prepayment penalty is 1% of original balance for the first 36 months. Lender is XXX. |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227497 | XXX | XXX | XXX | $XXX | OH | 12/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226839 | XXX | XXX | XXX | $XXX | OH | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  |  | In | TILA SOL Expired B |
| 2965227209 | XXX | XXX | XXX | $XXX | OH | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. <br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227755 | XXX | XXX | XXX | $XXX | IN | 4/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $142,056.17 is underdisclosed from calculated Finance Charge of $145,769.80 in the amount of $3,713.63.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: § Under disclosure is due to the lender's TIL reflecting MI being in force for 165 months, however based on the loan amount and appraised value the MI would be in force for 360 months. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227135 | XXX | XXX | XXX | $XXX | IN | 7/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227139 | XXX | XXX | XXX | $XXX | IN | 6/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227466 | XXX | XXX | XXX | $XXX | IN | 10/XX/2003 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  |  | - B |
| 2965227187 | XXX | XXX | XXX | $XXX | IN | 8/XX/2001 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227235 | XXX | XXX | XXX | $XXX | IN | 5/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226951 | XXX | XXX | XXX | $XXX | IN | 3/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227865 | XXX | XXX | XXX | $XXX | MI | 11/XX/2002 | Primary | Refinance UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2002 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227314 | XXX | XXX | XXX | $XXX | MI | 2/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227362 | XXX | XXX | XXX | $XXX | MI | 11/XX/2001 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227283 | XXX | XXX | XXX | $XXX | MI | 2/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  |  | - B |
| 2965227493 | XXX | XXX | XXX | $XXX | MI | 8/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227702 | XXX | XXX | XXX | $XXX | MI | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227130 | XXX | XXX | XXX | $XXX | MI | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | In | TILA SOL Expired B |
| 2965227849 | XXX | XXX | XXX | $XXX | MI | 9/XX/2003 | UTD | Refinance UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  | Yes | Out | TR Indeterminable D |
| 2965227185 | XXX | XXX | XXX | $XXX | MI | 5/XX/2009 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  |  | - B |
| 2965227614 | XXX | XXX | XXX | $XXX | MI | 9/XX/2006 | Primary | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227704 | XXX | XXX | XXX | $XXX | IA | 8/XX/2002 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 6.00600% is underdisclosed from calculated APR of 6.43151% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $93,204.84 is underdisclosed from calculated Finance Charge of $96,993.40 in the amount of $3,788.56.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Unable to determine APR underdisclosure cause, as itemization of amount financed is not provided. Appears lender did not disclose any fees as APR affecting.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227599 | XXX | XXX | XXX | $XXX | WI | 10/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $369,846.84 is underdisclosed from calculated Finance Charge of $370,221.64 in the amount of $374.80.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227198 | XXX | XXX | XXX | $XXX | WI | 1/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227402 | XXX | XXX | XXX | $XXX | WI | 8/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227579 | XXX | XXX | XXX | $XXX | WI | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227549 | XXX | XXX | XXX | $XXX | MN | 8/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $204,804.16 is underdisclosed from calculated Finance Charge of $205,641.71 in the amount of $837.55.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Fees on HUD all paid by Seller. Under disclosure is a result of the Index. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227659 | XXX | XXX | XXX | $XXX | MN | 6/XX/2004 | UTD | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): PPP Expired. Prepayment charge not allowed per state (MN) - max prepayment charge for MN is the lesser of 60 days interest or 2& on unpaid principal balance with no prepayment penalty upont he sale of the property securing the loan - note states the less of 60 days interest or 2% on unpaid principal balance with no exception for sale of property stated. Lender is XXX. |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective 8/1/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. |  |  | In | TILA SOL Expired B |
| 2965227529 | XXX | XXX | XXX | $XXX | IL | 12/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227622 | XXX | XXX | XXX | $XXX | IL | 11/XX/2010 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  | Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227552 | XXX | XXX | XXX | $XXX | IL | 10/XX/2008 | Primary | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227772 | XXX | XXX | XXX | $XXX | IL | 4/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227463 | XXX | XXX | XXX | $XXX | IL | 7/XX/2005 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227333 | XXX | XXX | XXX | $XXX | IL | 4/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | State Compliance - Illinois Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state IL - It is unlawful per the state of IL to provide a prepayment penalty or other charge for prepayment on any loan secured by a mortgage on residential real estate, if the annual interest rate exceeds 8%; this is an ARM transaction with a max rate of 14.50%. Note states prepayment penalty with be charged on prepayments made in the first 24 months exceeding 20% of original principal amount in any 12 month period; prepayment charge will be 6 months interest on amount prepaid in excess of 20% of original principal balance. Lender is XXX. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227322 | XXX | XXX | XXX | $XXX | IL | 9/XX/2005 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227671 | XXX | XXX | XXX | $XXX | IL | 9/XX/2003 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227534 | XXX | XXX | XXX | $XXX | IL | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $315,927.42 is underdisclosed from calculated Finance Charge of $329,179.47 in the amount of $13,252.05.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure, it appears lender used an index lower than available within look back. Lowest index within look back is 2.6333%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  | In | TILA SOL Expired B |
| 2965227380 | XXX | XXX | XXX | $XXX | IL | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227783 | XXX | XXX | XXX | $XXX | IL | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 8.70600% is underdisclosed from calculated APR of 8.83612% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $498,208.24 is underdisclosed from calculated Finance Charge of $501,430.85 in the amount of $3,222.61. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine the source of the under disclosure due to the file not containing the Itemization of Amount Financed. |  | Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227707 | XXX | XXX | XXX | $XXX | IL | 1/XX/2010 | Primary | Refinance Rate/Term |  | 3 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TIL-MDIA - Initial TIL Missing: TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227863 | XXX | XXX | XXX | $XXX | IL | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  |  | - B |
| 2965227806 | XXX | XXX | XXX | $XXX | IL | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $293,602.35 is underdisclosed from calculated Finance Charge of $294,499.47 in the amount of $897.12.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose an administration fee of $32, a flood fee of $2.50, a processing fee of $600, a closing fee of $150, a tax service fee of $68 and a courier fee of $50 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227794 | XXX | XXX | XXX | $XXX | MO | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $193,746.54 is underdisclosed from calculated Finance Charge of $193,801.55 in the amount of $55.01.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Missouri Prepayment Penalty: Missouri Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure as file is missing the Itemization of Amount Financed.<br> State Compliance - Missouri Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state MO - max prepayment charge for MO ARM loan is 2- note states 3% 2% 1%. Lender is XXX. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227793 | XXX | XXX | XXX | $XXX | MO | 6/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227424 | XXX | XXX | XXX | $XXX | KS | 12/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227642 | XXX | XXX | XXX | $XXX | NE | 12/XX/2002 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227694 | XXX | XXX | XXX | $XXX | LA | 4/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $173,475.40 is underdisclosed from calculated Finance Charge of $173,514.88 in the amount of $39.48.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Louisiana Late Charge Percent Testing: Note late charge exceeds maximum per state.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure due to missing itemization of prepaid finance charges.<br> State Compliance - Louisiana Late Charge Percent Testing: 6% late charge exceeds 5% maximum per state (LA). |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227624 | XXX | XXX | XXX | $XXX | LA | 7/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227489 | XXX | XXX | XXX | $XXX | LA | 12/XX/2008 | UTD | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided | Only pages 1, 2, 11 and 12 were provided. |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 2965227575 | XXX | XXX | XXX | $XXX | LA | 10/XX/2005 | Investment | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227571 | XXX | XXX | XXX | $XXX | LA | 10/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227655 | XXX | XXX | XXX | $XXX | LA | 4/XX/2008 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227684 | XXX | XXX | XXX | $XXX | AR | 1/XX/2003 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227168 | XXX | XXX | XXX | $XXX | TX | 10/XX/2004 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227022 | XXX | XXX | XXX | $XXX | TX | 5/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227001 | XXX | XXX | XXX | $XXX | TX | 9/XX/2006 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227194 | XXX | XXX | XXX | $XXX | TX | 8/XX/2003 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: HUD is missing the borrower's side of page 1 - Summary of Borrower's Transaction. | REVIEWER - GENERAL COMMENT (2019/XX/25): Received duplicate copy of HUD already provided that is missing the Borrower's transaciton information on the left side of page 1. Unable to clear. | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965226923 | XXX | XXX | XXX | $XXX | TX | 7/XX/1999 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $141,597.47 is underdisclosed from calculated Finance Charge of $141,728.97 in the amount of $131.50. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization of Amount Financed does not list the $110 Escrow fee or the $20 Courier Fee in the Prepaid Finance Charges. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965226881 | XXX | XXX | XXX | $XXX | TX | 6/XX/2003 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227058 | XXX | XXX | XXX | $XXX | TX | 11/XX/2006 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226971 | XXX | XXX | XXX | $XXX | TX | 6/XX/2000 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $161,203.37 is underdisclosed from calculated Finance Charge of $161,479.79 in the amount of $276.42.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information): Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under-disclosure due to missing itemization of amount financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227090 | XXX | XXX | XXX | $XXX | TX | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227231 | XXX | XXX | XXX | $XXX | TX | 8/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227682 | XXX | XXX | XXX | $XXX | TX | 6/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227407 | XXX | XXX | XXX | $XXX | TX | 2/XX/2002 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227475 | XXX | XXX | XXX | $XXX | TX | 1/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM Booklet due to missing information.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227330 | XXX | XXX | XXX | $XXX | TX | 10/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227260 | XXX | XXX | XXX | $XXX | TX | 9/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227750 | XXX | XXX | XXX | $XXX | TX | 3/XX/2009 | Primary | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227494 | XXX | XXX | XXX | $XXX | TX | 10/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227770 | XXX | XXX | XXX | $XXX | TX | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Tested | In | TR Tested B |
| 2965226915 | XXX | XXX | XXX | $XXX | TX | 12/XX/2009 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227177 | XXX | XXX | XXX | $XXX | CO | 11/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided): Assignee Liability: For a transaction involving a security interest in land, any action that may be brought against the original creditor may be maintained against any subsequent assignee where the assignee, its subsidiaries, or affiliates were in a continuing business relationship with the original creditor either at the time the credit was extended or at the time of the assignment unless the assignment was involuntary or the assignee shows by a preponderance of evidence that it did not have reasonable grounds to believe that the original creditor was engaged in violations of the code and that it maintained procedures reasonably adapted to apprise it of the existence of the violations.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227103 | XXX | XXX | XXX | $XXX | CO | 12/XX/2003 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227091 | XXX | XXX | XXX | $XXX | UT | 1/XX/2008 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $275,265.70 is underdisclosed from calculated Finance Charge of $280,315.15 in the amount of $5,049.45.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The Lender's payment stream reflects the expiration of MI after 120 months. Based on the LTV and loan terms, the MI would be in force for 161 months. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226947 | XXX | XXX | XXX | $XXX | AZ | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.43000% is underdisclosed from calculated APR of 7.72512% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $269,573.31 is underdisclosed from calculated Finance Charge of $291,481.34 in the amount of $21,908.03.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Loan Approval indicates the index used was 3.79%. The closest index available in our look-back period is 4.11%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 3.79%. The closest index available in our look-back period is 4.11%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226861 | XXX | XXX | XXX | $XXX | AZ | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226966 | XXX | XXX | XXX | $XXX | AZ | 6/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $365,917.70 is underdisclosed from calculated Finance Charge of $366,186.02 in the amount of $268.32.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227021 | XXX | XXX | XXX | $XXX | AZ | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226875 | XXX | XXX | XXX | $XXX | AZ | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226890 | XXX | XXX | XXX | $XXX | AZ | 9/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226826 | XXX | XXX | XXX | $XXX | AZ | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.46200% is underdisclosed from calculated APR of 6.84242% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $232,431.83 is underdisclosed from calculated Finance Charge of $259,236.31 in the amount of $26,804.48.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.14% per the approval, however the lowest index value available in the lookback period is 3.56%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.14% per the approval, however the lowest index value available in the lookback period is 3.56%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227203 | XXX | XXX | XXX | $XXX | AZ | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.28000% is underdisclosed from calculated APR of 7.55136% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $350,096.93 is underdisclosed from calculated Finance Charge of $375,305.34 in the amount of $25,208.41.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.66% per the approval, however the lowest index value available in the lookback period is 3.940%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.66% per the approval, however the lowest index value available in the lookback period is 3.940%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227638 | XXX | XXX | XXX | $XXX | AZ | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227556 | XXX | XXX | XXX | $XXX | AZ | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227252 | XXX | XXX | XXX | $XXX | AZ | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227678 | XXX | XXX | XXX | $XXX | NM | 5/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $259,777.13 is underdisclosed from calculated Finance Charge of $271,714.58 in the amount of $11,937.45.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 1.693% per the (Loan Commitment Approval), <br> however the lowest index value available in the lookback period is 2.33167%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227085 | XXX | XXX | XXX | $XXX | NV | 4/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $210,723.82 is underdisclosed from calculated Finance Charge of $220,403.26 in the amount of $9,679.44.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.46 per the Approval, however the lowest index value available in the lookback period is 3.66%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227138 | XXX | XXX | XXX | $XXX | NV | 10/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $396,807.48 is underdisclosed from calculated Finance Charge of $397,162.05 in the amount of $354.57. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose a courier fee of $6.67 and a settlement fee of $347.50 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227289 | XXX | XXX | XXX | $XXX | NV | 1/XX/2003 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227657 | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | Yes | Out | TR Indeterminable D |
| 2965227540 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Refinance Cash-out - Home Improvement |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $621,472.24 is underdisclosed from calculated Finance Charge of $650,582.55 in the amount of $29,110.31.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Per the Approval, the Index used by the lender was 3.94%, however, the available Index in the drop down is 4.11% |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227633 | XXX | XXX | XXX | $XXX | CA | 1/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  |  |  | - B |
| 2965227460 | XXX | XXX | XXX | $XXX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227521 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227574 | XXX | XXX | XXX | $XXX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $553,757.43 is underdisclosed from calculated Finance Charge of $553,799.63 in the amount of $42.20. | Federal Compliance - Final TIL Finance Charge Under Disclosed: HUD is Estimated. The TIL Itemization does not include $15 Tax Cert or the $100 Settlement fee in the Prepaid Finance Charges. | REVIEWER - GENERAL COMMENT (2019/XX/25): Received 2 additional copies of the Estimated HUD-1. Exception is for a Missing Final HUD-1. Unable to clear. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227561 | XXX | XXX | XXX | $XXX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $648,100.10 is underdisclosed from calculated Finance Charge of $654,209.37 in the amount of $6,109.27.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.650% per the loan approval, however the lowest index value available in the lookback period is 4.730%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227541 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227761 | XXX | XXX | XXX | $XXX | CA | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $503,777.11 is underdisclosed from calculated Finance Charge of $514,051.50 in the amount of $10,274.39.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.34% per the approval, however the lowest index value available in the lookback period is 4.49%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227578 | XXX | XXX | XXX | $XXX | CA | 9/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227458 | XXX | XXX | XXX | $XXX | CA | 6/XX/2009 | Primary | Refinance Rate/Term |  | 3 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $345,413.79 is underdisclosed from calculated Finance Charge of $360,645.66 in the amount of $15,231.87.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the MI drop off point. The TIL shows it dropping off after the 129th payment. Audit is missing the appraised and therefore is unable to determine actual drop off point for the MI. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227500 | XXX | XXX | XXX | $XXX | CA | 10/XX/2006 | Primary | Refinance Cash-out - Home Improvement |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,182,023.23 is underdisclosed from calculated Finance Charge of $1,198,526.37 in the amount of $16,503.14. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Per the Approval, the lender used an Index of 4.34%, whereas the drop down Index is 4.99667. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227522 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227222 | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $977,461.20 is underdisclosed from calculated Finance Charge of $985,636.48 in the amount of $8,175.28.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure of $8,175.28 is due to the lender utilizing an index value of 4.60% per the Approval, however the lowest index value available in the look back period is 4.690%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227248 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $925,487.91 is underdisclosed from calculated Finance Charge of $927,117.38 in the amount of $1,629.47.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender's TIL reflecting that the neg am terms recast to the fully amortized payment after 191 months, however based on the note terms and index value the actual recast occurs after 190 months. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227648 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.81400% is underdisclosed from calculated APR of 7.20484% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $703,299.10 is underdisclosed from calculated Finance Charge of $778,801.08 in the amount of $75,501.98.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.94% per the Approval, however the lowest index value available in the look back period is 4.340%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure of $75,501.98 is due to the lender utilizing an index value of 3.94% per the Approval, however the lowest index value available in the look back period is 4.340%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227721 | XXX | XXX | XXX | $XXX | CA | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $604,962.15 is underdisclosed from calculated Finance Charge of $644,224.82 in the amount of $39,262.67.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.640% per the approval, however the lowest index value available in the lookback period is 4.89667%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227716 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.26600% is underdisclosed from calculated APR of 7.53964% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $647,215.42 is underdisclosed from calculated Finance Charge of $693,858.18 in the amount of $46,642.76. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.66% per the Approval, however the lowest index value available in the look back period is 3.940%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure of $46,642.76 is due to the lender utilizing an index value of 3.66% per the Approval, however the lowest index value available in the look back period is 3.940%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227697 | XXX | XXX | XXX | $XXX | CA | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $865,386.18 is underdisclosed from calculated Finance Charge of $869,872.47 in the amount of $4,486.29.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine fee portion of under disclosure due to missing itemization of amount financed. Payment stream portion is due to the lender utilizing an index value of 4.85% per the Approval, however the lowest index value available in the lookback period is 4.90%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227735 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  | REVIEWER - GENERAL COMMENT (2019/XX/25): Received duplicate copy of Estimated HUD-1. Exception is for a Missing Final HUD-1. Unable to clear. | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR Indeterminable D |
| 2965227355 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $538,857.84 is underdisclosed from calculated Finance Charge of $567,301.91 in the amount of $28,444.07.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.360% per the loan approval, however the lowest index value available in the lookback period is 3.560%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227320 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227515 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227808 | XXX | XXX | XXX | $XXX | CA | 3/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $528,488.57 is underdisclosed from calculated Finance Charge of $528,684.03 in the amount of $195.46.<br> [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227444 | XXX | XXX | XXX | $XXX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  | REVIEWER - GENERAL COMMENT (2019/XX/25): Received a duplicate copy of the Final TIL. Exception is for a Missing Final HUD. Unable to clear. |  |  | Yes | Out | TR Indeterminable D |
| 2965227325 | XXX | XXX | XXX | $XXX | CA | 9/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227250 | XXX | XXX | XXX | $XXX | CA | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $435,340.22 is underdisclosed from calculated Finance Charge of $461,708.83 in the amount of $26,368.61.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to Lender utilizing an index of 3.560%, per the Approval, however, the lowest index in the look back is 3.79000%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227807 | XXX | XXX | XXX | $XXX | CA | 6/XX/2003 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227032 | XXX | XXX | XXX | $XXX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $557,622.78 is underdisclosed from calculated Finance Charge of $585,756.23 in the amount of $28,133.45.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.520% per the Approval, however the lowest index value available in the look back period is 2.70%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227664 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $826,056.26 is underdisclosed from calculated Finance Charge of $837,162.39 in the amount of $11,106.13.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.467% per the approval, however the lowest index value available in the lookback period is 4.55%.<br> State Compliance - California Prepayment Penalty ARM Test: PPP Expired. Prepayment charge not allowed per state (CA) - prepayment charges for CA Purchase ARM loan not valid unless borrower is permitted to pay off the loan without penalty within 90 days of notification of a rate increase - note states 6 months interest at 20% allowance within the first 2 years. Lender is XXX. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227099 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227181 | XXX | XXX | XXX | $XXX | CA | 2/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227224 | XXX | XXX | XXX | $XXX | CA | 4/XX/2006 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $262,688.66 is underdisclosed from calculated Finance Charge of $271,830.61 in the amount of $9,141.95.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.46% per the Loan Approval; however, the lowest index value available in the lookback period is 3.66%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227179 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226930 | XXX | XXX | XXX | $XXX | CA | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $358,719.17 is underdisclosed from calculated Finance Charge of $364,378.72 in the amount of $5,659.55.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.997% per the approval, however the lowest index value available in the look back period is 5.08083% |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226911 | XXX | XXX | XXX | $XXX | CA | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $371,582.68 is underdisclosed from calculated Finance Charge of $373,087.90 in the amount of $1,505.22. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose the Prepaid Interest ($984), Title Settlement Fee ($450), Title Courier Fee ($50), and Title Wire Fee ($21) as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226935 | XXX | XXX | XXX | $XXX | CA | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227041 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227238 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.59400% is underdisclosed from calculated APR of 7.99768% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $671,758.02 is underdisclosed from calculated Finance Charge of $698,990.22 in the amount of $27,232.20.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.940% per the approval, however the lowest index value available in the look back period is 4.34000%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.940% per the approval, however the lowest index value available in the look back period is 4.34000%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227219 | XXX | XXX | XXX | $XXX | CA | 9/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227063 | XXX | XXX | XXX | $XXX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $683,349.37 is underdisclosed from calculated Finance Charge of $693,491.67 in the amount of $10,142.30.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure due to lender utilizing an index value of 5.081% per approval, however the lowest index value available in the lookback period is 5.21667% |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227306 | XXX | XXX | XXX | $XXX | CA | 1/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 2965227105 | XXX | XXX | XXX | $XXX | CA | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $506,175.23 is underdisclosed from calculated Finance Charge of $506,345.08 in the amount of $169.85.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 4.69%. The closest Index available in our look-back period is %.4.75 |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227000 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.54800% is underdisclosed from calculated APR of 7.94366% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $542,849.92 is underdisclosed from calculated Finance Charge of $563,148.67 in the amount of $20,298.75.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under-disclosure due to lender utilizing an index value of 3.94% per approval, however the lowest index value available in the lookback period is 4.34%<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure due to lender utilizing an index value of 3.94% per approval, however the lowest index value available in the lookback period is 4.34% |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227036 | XXX | XXX | XXX | $XXX | CA | 12/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227084 | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.43500% is underdisclosed from calculated APR of 7.68733% outside of 0.125% tolerance.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $872,111.28 is underdisclosed from calculated Finance Charge of $929,035.47 in the amount of $56,924.19.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 4.897% per the approval, however the lowest index value available in the look back period is 5.15333%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.897% per the approval, however the lowest index value available in the look back period is 5.15333%. |  | Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227725 | XXX | XXX | XXX | $XXX | CA | 4/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $497,641.32 is underdisclosed from calculated Finance Charge of $516,014.96 in the amount of $18,373.64.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.390% per the Approval, however the lowest index value available in the look back period is 2.52%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227334 | XXX | XXX | XXX | $XXX | CA | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.92900% is underdisclosed from calculated APR of 7.30187% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,033,068.79 is underdisclosed from calculated Finance Charge of $1,137,105.64 in the amount of $104,036.85.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Closing instructions indicate the Index used was 4.110%. The closest Index available in the look - back period is<br> 4.490%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 4.110%. The closest Index available in the look - back period is<br> 4.490% |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227295 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $409,190.89 is underdisclosed from calculated Finance Charge of $419,824.58 in the amount of $10,633.69.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Approval indicates the Index used was 3.14, the lowest index available within the look back is 3.24. |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227542 | XXX | XXX | XXX | $XXX | CA | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $923,438.46 is underdisclosed from calculated Finance Charge of $951,463.55 in the amount of $28,025.09.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.790% per the Approval, however the lowest index value available in the look back period is 3.940%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227459 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $721,634.99 is underdisclosed from calculated Finance Charge of $738,446.81 in the amount of $16,811.82.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.888% per the approval, however the lowest index value available in the look back period is 4.01080% | REVIEWER - GENERAL COMMENT (2019/XX/25): Received duplicate copy of estimated HUD. The closing instructions indicate there was a prior lien to be paid as well as some additional debts but the HUD has no payoffs listed. Unable to clear. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227468 | XXX | XXX | XXX | $XXX | CA | 5/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $660,150.25 is underdisclosed from calculated Finance Charge of $681,582.88 in the amount of $21,432.63.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] State Compliance - California Prepayment Penalty Test: California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the unpaid balance, depending on the lender's license type. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure due to lender utilizing an index value of 2.504% per rate lock, however the lowest index value available in the lookback period is 2.6333% |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 2965227035 | XXX | XXX | XXX | $XXX | CA | 11/XX/2010 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  | - B |
| 2965227457 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $823,203.53 is underdisclosed from calculated Finance Charge of $865,797.69 in the amount of $42,594.16.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The Approval shows the lender used the Index of 3.060,% whereas the Index available in the drop down is 3.24% |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227645 | XXX | XXX | XXX | $XXX | CA | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  | - B |
| 2965227338 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227621 | XXX | XXX | XXX | $XXX | CA | 12/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR HUD Deficiency |
| 2965227492 | XXX | XXX | XXX | $XXX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227178 | XXX | XXX | XXX | $XXX | CA | 9/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.50000% is underdisclosed from calculated APR of 7.75133% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $444,029.08 is underdisclosed from calculated Finance Charge of $473,075.43 in the amount of $29,046.35.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.640% per the Approval, however the lowest index value available in the lookback period is 4.89667%. |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227144 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227513 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not found. |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $473,421.83 is underdisclosed from calculated Finance Charge of $501,536.46 in the amount of $28,114.63. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 3.24%. The closest index available in our look-back period is 3.46%. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227508 | XXX | XXX | XXX | $XXX | CA | 1/XX/2004 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | State Compliance - California Prepayment Penalty ARM Test: Prepayment penalty is expired. Not permitted for ARM loan per state (CA). |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227351 | XXX | XXX | XXX | $XXX | CA | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Valuation:<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227184 | XXX | XXX | XXX | $XXX | CA | 3/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $552,266.95 is underdisclosed from calculated Finance Charge of $555,061.46 in the amount of $2,794.51.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 5.266% per the approval, however the lowest index value available in the lookback period is 5.30083%. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227514 | XXX | XXX | XXX | $XXX | CA | 12/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227455 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $751,440.14 is underdisclosed from calculated Finance Charge of $759,113.95 in the amount of $7,673.81.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 5.51% per the closing instructions, however the lowest index value available in the lookback period is 5.58%.<br> State Compliance - California Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state (CA) - Prepayment not allowed per state (CA) - max prepayment charge per state CA 6 months' interest on the amount prepaid in excess of 20% in 12 month period - note 6 months interest in the amount prepaid in excess of 20% in 12 month period. Lender is XXX. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227098 | XXX | XXX | XXX | $XXX | CA | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227524 | XXX | XXX | XXX | $XXX | CA | 2/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227745 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $382,443.26 is underdisclosed from calculated Finance Charge of $402,594.52 in the amount of $20,151.26.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.36% per the approval, however the lowest index value available in the lookback period is 3.56%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227539 | XXX | XXX | XXX | $XXX | CA | 5/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $356,853.52 is underdisclosed from calculated Finance Charge of $363,669.16 in the amount of $6,815.64.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.560% per the approval, however the lowest index value available in the look back period is 3.66000% |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227828 | XXX | XXX | XXX | $XXX | CA | 6/XX/2007 | Second Home | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227174 | XXX | XXX | XXX | $XXX | CA | 1/XX/2006 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $341,140.00 is underdisclosed from calculated Finance Charge of $361,143.17 in the amount of $20,003.17.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.14% per the approval, however the lowest index value available in the lookback period is 3.36%. |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227816 | XXX | XXX | XXX | $XXX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $459,735.92 is underdisclosed from calculated Finance Charge of $462,341.45 in the amount of $2,605.53.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure due to lender utilizing an index value of 4.6% per approval, however the lowest index value available in the lookback period is 4.73%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227480 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227838 | XXX | XXX | XXX | $XXX | CA | 6/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227159 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Home Improvement |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226979 | XXX | XXX | XXX | $XXX | CA | 8/XX/2005 | Investment | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227281 | XXX | XXX | XXX | $XXX | CA | 6/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $265,674.68 is underdisclosed from calculated Finance Charge of $267,399.16 in the amount of $1,724.48. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 1.085%. The closest index available in our look-back period is 1.11833. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR HUD Deficiency |
| 2965227117 | XXX | XXX | XXX | $XXX | CA | 3/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $614,696.67 is underdisclosed from calculated Finance Charge of $614,897.46 in the amount of $200.79.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose prepaid interest charges of $231.85 as prepaid finance charges. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227368 | XXX | XXX | XXX | $XXX | CA | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $479,625.45 is underdisclosed from calculated Finance Charge of $491,285.87 in the amount of $11,660.42.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.897% per the approval, however the lowest index value available in the lookback period is 5.08%. |  | Federal Compliance - ARM Disclosure Compliant Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227217 | XXX | XXX | XXX | $XXX | CA | 2/XX/2006 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $2,646,830.04 is underdisclosed from calculated Finance Charge of $2,703,665.54 in the amount of $56,835.50.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.618% per the approval, however the lowest index value available in the lookback period is 3.75%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227078 | XXX | XXX | XXX | $XXX | CA | 8/XX/2004 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $454,723.13 is underdisclosed from calculated Finance Charge of $467,219.26 in the amount of $12,496.13.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 1.11% per the approval, however the lowest index value available in the lookback period is 1.21%.<br> State Compliance - California Prepayment Penalty ARM Test: PPP Expired. Prepayment charge not allowed per state (CA) - max prepayment charge for (CA) is 0% - note states 2%, 2% and 2%. Lender is XXX |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227551 | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $470,895.21 is underdisclosed from calculated Finance Charge of $471,553.25 in the amount of $658.04.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227797 | XXX | XXX | XXX | $XXX | CA | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $474,530.20 is underdisclosed from calculated Finance Charge of $502,465.49 in the amount of $27,935.29.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The Approval shows that the Lender used an Index of 3.14%, whereas the available Index in the drop down is 3.36%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227663 | XXX | XXX | XXX | $XXX | CA | 9/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227743 | XXX | XXX | XXX | $XXX | CA | 3/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $605,773.63 is underdisclosed from calculated Finance Charge of $645,419.01 in the amount of $39,645.38.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.900% per the loan approval, however the lowest index value available in the lookback period is 4.650%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965227528 | XXX | XXX | XXX | $XXX | CA | 12/XX/2002 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227650 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.22200% is underdisclosed from calculated APR of 7.53199% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $444,561.91 is underdisclosed from calculated Finance Charge of $481,736.31 in the amount of $37,174.40.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.79% per the Approval, however the lowest index value available in the lookback period is 4.11%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.790% per the Approval, however the lowest index value available in the lookback period is 4.11%. |  | Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227813 | XXX | XXX | XXX | $XXX | CA | 3/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227854 | XXX | XXX | XXX | $XXX | CA | 12/XX/2004 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227246 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $426,178.68 is underdisclosed from calculated Finance Charge of $427,422.63 in the amount of $1,243.95.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender's TIL reflecting that the neg am terms recast to the fully amortized payment after 86 months, however based on the note terms and index value the actual recast occurs after 84 months. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227487 | XXX | XXX | XXX | $XXX | CA | 9/XX/2006 | Primary | Refinance Cash-out - Home Improvement |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.37600% is underdisclosed from calculated APR of 7.91428% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $472,193.88 is underdisclosed from calculated Finance Charge of $498,458.03 in the amount of $26,264.15.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Under disclosure is due to the lender utilizing an index value of 3.940% per the Approval, however the lowest index value available in the lookback period is 4.490%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.940% per the Approval, however the lowest index value available in the lookback period is 4.490%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227136 | XXX | XXX | XXX | $XXX | CA | 6/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227313 | XXX | XXX | XXX | $XXX | CA | 1/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $559,028.95 is underdisclosed from calculated Finance Charge of $564,345.38 in the amount of $5,316.43.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Loan Approval indicates the index used was 5.081%. The closest index available in our look-back period is 5.21667%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227017 | XXX | XXX | XXX | $XXX | CA | 2/XX/2003 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | State Compliance - California Prepayment Penalty ARM Test: Prepayment penalty is expired. Missing required limitation per state (CA). |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227316 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $403,508.43 is underdisclosed from calculated Finance Charge of $411,270.95 in the amount of $7,762.52.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.06% per the approval, however the lowest index value available in the look back period is 3.14%. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227315 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 7.63800% is underdisclosed from calculated APR of 7.98090% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $213,022.76 is underdisclosed from calculated Finance Charge of $231,852.06 in the amount of $18,829.30.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - TIL APR Tolerance Irregular Transaction: Approval shows the Index used by the Lender was 3.94%, whereas the available Index in the drop down is 4.34%.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Approval shows the Index used by the Lender was 3.94%, whereas the available Index in the drop down is 4.34%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227703 | XXX | XXX | XXX | $XXX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $366,978.55 is underdisclosed from calculated Finance Charge of $375,917.67 in the amount of $8,939.12.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine fee portion of under disclosure due to missing itemization of amount financed. Payment stream portion is due to the lender utilizing an index value of 2.610% per the Approval, however the lowest index value available in the lookback period is 2.70%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227416 | XXX | XXX | XXX | $XXX | CA | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $227,155.27 is underdisclosed from calculated Finance Charge of $233,567.93 in the amount of $6,412.66.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.06% per the Approval, however the lowest index value available in the look back period is 3.240%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227214 | XXX | XXX | XXX | $XXX | CA | 5/XX/2004 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | State Compliance - California Prepayment Penalty ARM Test: PPP Expired. Prepayment charge not allowed per state CA - max prepayment charge for CA - Statute states - borrower is permitted to prepay the loan in whole or in part without a prepayment charge within 90 days of notification of any increase in the rate of interest.- Note states 2%, 2%, 2%. Lender is XXX |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227607 | XXX | XXX | XXX | $XXX | CA | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227348 | XXX | XXX | XXX | $XXX | CA | 5/XX/2006 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $628,356.58 is underdisclosed from calculated Finance Charge of $644,423.25 in the amount of $16,066.67.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 3.56% per the Approval, however the lowest index value available in the look back period is 3.66%.<br> State Compliance - California Prepayment Penalty ARM Test: Prepayment penalty is expired. Prepayment penalty does not contain required language for ARM per state (CA). |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227158 | XXX | XXX | XXX | $XXX | CA | 2/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $376,288.65 is underdisclosed from calculated Finance Charge of $398,623.75 in the amount of $22,335.10.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under-disclosure due to lender utilizing an index value of 3.24% per approval, however the lowest index value available in the lookback period is 3.46%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227484 | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Valuation:<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | Appraisal not provided. |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227589 | XXX | XXX | XXX | $XXX | CA | 6/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227791 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | State Compliance - California Prepayment Penalty: PPP Expired. Prepayment charge not allowed per state (CA) - max prepayment charge for (CA) is 0% - note states 6 months interest. Lender is XXX. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227297 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227810 | XXX | XXX | XXX | $XXX | CA | 6/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227469 | XXX | XXX | XXX | $XXX | HI | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227737 | XXX | XXX | XXX | $XXX | OR | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Oregon Prepayment Penalty Max Prepay: Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan. | State Compliance - Oregon Prepayment Penalty Max Prepay: PPP expired. Per state of CA, Note must clearly state the maximum prepayment penalty applicable to each year of loan - Note states 6 months interest calulated at the Contract Rate in effect at time of prepayment on unpaid principal balance for 24 months. Lender is XXX. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227588 | XXX | XXX | XXX | $XXX | OR | 12/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227478 | XXX | XXX | XXX | $XXX | OR | 12/XX/2006 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 2965227163 | XXX | XXX | XXX | $XXX | WA | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227833 | XXX | XXX | XXX | $XXX | WA | 7/XX/2007 | Primary | Refinance UTD |  | 3 | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Government Documentation - Missing Document: HUD/VA 92900-A not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Document Error - Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227114 | XXX | XXX | XXX | $XXX | WA | 7/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227701 | XXX | XXX | XXX | $XXX | WA | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227676 | XXX | XXX | XXX | $XXX | WA | 2/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227413 | XXX | XXX | XXX | $XXX | WA | 4/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227473 | XXX | XXX | XXX | $XXX | WA | 1/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $153,169.58 is underdisclosed from calculated Finance Charge of $153,477.41 in the amount of $307.83.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is payment stream related due to discrepancy in payment stream on lender's final TIL relating to Principle Rate Reduction feature. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  | In | TILA SOL Expired B |
| 2965226892 | XXX | XXX | XXX | $XXX | WA | 4/XX/2007 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227165 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided |  |  | [3] Appraisal Reconciliation - Missing secondary valuation product required for securitization. | Subject Refi Plus loan was approved without an appraisal, however, two valuations will be required for securitization. |  | 3 | [3] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/2016 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/XX/2016)<br> [2] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act – Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $1,709.23 and disclosure timing violations.<br> [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on XX/XX/2016 did not disclose number of months for Property Tax under Prepaids. (Final/XX/XX/2016) | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Initial Loan Estimate was signed electronically, however file does not contain evidence of borrower's consent to receive disclosures in this fashion.<br> Federal Compliance - TRID Esign Consent Agreement Status: Initial Loan Estimate was signed electronically, however file does not contain evidence of borrower's consent to receive disclosures in this fashion.<br> Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: Final Closing Disclosure in file does not reflect number of months of taxes prepaid in Section E. | REVIEWER - WAIVED COMMENT (2019/XX/XX): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TRID SOL Expired B |
| 2965226803 | XXX | XXX | XXX | $XXX | NJ | 6/XX/2015 | Investment | Purchase | N/A | 3 | [3] Guideline Issue - Aged document: Primary Valuation is older than guidelines permit: Valuation Type: Drive By / Valuation Report Date: XX/XX/2015 Drive By<br> [3] Miscellaneous - Credit Exception:<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX 1040 (2012), 1040 (2013), 1120 (2012), 1120 (2013), Balance Sheet, P&L Statement, Transcripts (2012), Transcripts (2013)<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, NJ, Address: XXX, NJ, Address: XXX, NJ Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Lease Agreement, Statement, Tax Verification<br> HOA Verification, Lease Agreement, Tax Verification | Report date is XX/XX/15 and effective date XX/XX/15.<br> Proof of the 2014 1040 Tax Return being filed is required. No income docs in file at origination, income used from final 1003. Additional income and business documention may be required for XXX and XXX if income was from these companies was used to qualify. File does not contain a breakdown of income used, only base income from final 1003 of $XXX. |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227278 | XXX | XXX | XXX | $XXX | PA | 4/XX/2014 | Primary | Purchase | Safe Harbor QM | 3 | [3] Income Documentation - Income Docs Missing:: Borrower: XXX Explanation Letter<br> [3] Application / Processing - Missing Document: Fraud Report not provided | Lender approval required a letter of explanation for employment gap from 4/XX-5/XX, however this was not provided in the file. |  |  |  |  | 3 | [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/XX/2014)<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Federal Compliance - Unknown Loan Designation: Lender approval and 1008 indicates subject was manually underwritten for CRA special program guidelines, however these were not provided and thus unable to determine original designation. |  | Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.<br>Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | Out | TILA ATR/QM C B |
| 2965227335 | XXX | XXX | XXX | $XXX | VA | 10/XX/2016 | Primary | Purchase | Safe Harbor QM | 3 | [3] Mortgage / Program Eligibility - AUS Findings: Combined High loan to value discrepancy.: Calculated high loan to value percentage of 97.00000% exceeds AUS high loan to value percentage of 95.00000%<br> [3] Mortgage / Program Eligibility - AUS Findings: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 97.00000% exceeds AUS combined loan to value percentage of 95.00000%.<br> [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Interest rate discrepancy.: Note interest rate of XX% exceeds AUS interest rate of 3.50000%.<br> [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Loan amount discrepancy.: Note loan amount of $XXX exceeds AUS loan amount of $XXX.<br> [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Loan to value discrepancy.: Calculated loan to value percentage of 97.00000% exceeds AUS loan to value percentage of 95.00000%.<br> [3] Application / Processing - Missing Document: AUS not provided<br> [3] Application / Processing - Missing Document: Fraud Report not provided | Please provide AUS that reflects terms of loan<br> Please provide AUS that reflects terms of loan<br> Please provide AUS that reflects terms of loan<br> Please provide AUS that reflects terms of loan<br> Please provide AUS that reflects terms of loan<br> File does not contain final approval or AUS findings to verify manner in which loan was approved. LP findings in file are dated more than one month prior to closing and require MI which does not appear to have been issued at origination, unable to determine if alternate program was used. |  |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/XX/XX/2016)<br> [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/XX/2016)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,169.50 exceeds tolerance of $119.00 plus 10% or $130.90. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/2016)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/XX/2016) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: HOA Cert Fees were not included in prepaid finance charges.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: File does not contain evidence of date borrower received revised CD.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review<br> Federal Compliance - Unknown Loan Designation: File does not contain final approval or AUS findings to verify manner in which loan was approved. LP findings in file are dated more than one month prior to closing and require MI which does not appear to have been issued at origination, unable to determine if alternate program was used.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review | REVIEWER - GENERAL COMMENT (2019/XX/XX): Updated from: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Risk.<br> SELLER - GENERAL COMMENT (2019/XX/XX): please have AMC review. Their finding for us is QM Safe Harbor<br> REVIEWER - GENERAL COMMENT (2019/XX/02): After further review, due Diligence Loan Designation is Safe Harbor QM<br> REVIEWER - WAIVED COMMENT (2019/XX/XX): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A | Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Unknown Loan Designation: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | Out | TILA ATR/QM C B |
| 2965227329 | XXX | XXX | XXX | $XXX | NC | 3/XX/2017 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  | [3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. | Two appraisals will be needed for Securitization and were not provided. |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77187)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7735)<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XX/XX/2017)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/XX/2017) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review<br> Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: The date valuation provided to applicant of XX/XX/2017 is prior to the date when valuation was performed which is XX/XX/2017. Unable to determine compliance with appraisal timing requirements.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review | REVIEWER - WAIVED COMMENT (2019/XX/XX): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TRID SOL Expired B |
| 2965226865 | XXX | XXX | XXX | $XXX | NC | 9/XX/2016 | Primary | Purchase | Safe Harbor QM | 3 | [3] Income Documentation - Income Docs Missing:: Borrower: XXX VVOE - Employment Only<br> [3] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided | The file did not contain a completed verbal VOE. |  | [3] Appraisal Reconciliation - Missing secondary valuation product required for securitization. |  |  | 3 | [3] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XX/XX/2016)<br> [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $611.86 exceeds tolerance of $418.00 plus 10% or $459.80. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $324.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)<br> [1] Federal Compliance - TRID Final Closing Disclosure Lender Credit: TILA-RESPA Integrated Disclosure – Costs at Closing: Final Closing Disclosure provided on XX/XX/2016 disclosed a Lender Credit less than the legal limit exceeded on the Calculating Cash to Close table. (Final/XX/XX/2016)<br> [1] Federal Compliance - TRID Final Closing Disclosure Lender Credits: TILA-RESPA Integrated Disclosure - Costs at Closing: Final Closing Disclosure provided on XX/XX/2016 disclosed Lender Credits that does not match Lender Credits on page 2. (Final/XX/XX/2016)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/XX/2016) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: The initial Closing Disclosure is dated XX/XX/16 and the Closing took place on XX/XX/16.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The LE did not disclose a Transfer Fee and the final CD had a transfer fee of $324. No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review<br> Federal Compliance - TRID Final Closing Disclosure Lender Credit: The Loan Estimate has a Total Closing Cost Amount of $4,376 and the Final Closing Disclosure has a Total Closing Cost of $2,697.25 which is less than the Loan Estimate.<br> Federal Compliance - TRID Final Closing Disclosure Lender Credits: The Lender Credit shown on Page 1 of the final Closing Disclosure is $234. The Lender Credit shown on Page two is $234.12.<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: The Loan Estimate has a Total Closing Cost Amount of $4,376 and the Final Closing Disclosure has a Total Closing Cost of $2,697.25 which is less than the Loan Estimate. No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review | REVIEWER - WAIVED COMMENT (2019/XX/XX): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A<br> REVIEWER - WAIVED COMMENT (2019/XX/XX): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A<br> REVIEWER - WAIVED COMMENT (2019/XX/XX): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Lender Credit: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Lender Credits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TRID SOL Expired B |
| 2965227213 | XXX | XXX | XXX | $XXX | IL | 2/XX/2015 | Investment | Refinance Limited Cash-out GSE | N/A | 3 | [3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING<br> Disaster Declaration Date: XX/XX/2013<br> Disaster End Date: XX/XX/2013<br> [3] Application / Processing - Missing Document: Fraud Report not provided | The subject property is located in a FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage to the subject. The inspection must include exterior photos of the subject. |  | [3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. | Subject was approved without an appraisal; however, 2 valuations will be required for securitization. |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227204 | XXX | XXX | XXX | $XXX | CA | 11/XX/2017 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,793.00 exceeds tolerance of $3,984.00 plus 10% or $4,382.40. Insufficient or no cure was provided to the borrower. (0)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $632.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on XX/XX/2017 disclosed a Closing Date that did not match the actual date of consummation. (Final/XX/XX/2017)<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/XX/2017) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review<br> Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: This is due to seller paid fee listed on seller disclosure section G of $745 for Franchise Tax.<br> Federal Compliance - TRID Final Closing Disclosure Closing Date: The Closing Date on the final CD is XX/XX/17, borrower signature date XX/XX/17 and the Security Instrument has a notary date of XX/XX/17. No post close CD in file to correct the closing date to XX/XX/17<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review | REVIEWER - WAIVED COMMENT (2019/XX/XX): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A<br> REVIEWER - WAIVED COMMENT (2019/XX/XX): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA - 1yr affirmative<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TRID SOL Expired B |
| 2965227069 | XXX | XXX | XXX | $XXX | TX | 6/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2003. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965226866 | XXX | XXX | XXX | $XXX | FL | 1/XX/2005 | Investment | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of 8.44912% is in excess of the allowable maximum of 8.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .44912%).<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  |  | - B |
| 2965227476 | XXX | XXX | XXX | $XXX | GA | 4/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227083 | XXX | XXX | XXX | $XXX | NJ | 3/XX/2008 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227452 | XXX | XXX | XXX | $XXX | CT | 10/XX/2009 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227812 | XXX | XXX | XXX | $XXX | WA | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965226871 | XXX | XXX | XXX | $XXX | FL | 1/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227196 | XXX | XXX | XXX | $XXX | NC | 8/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.<br> [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [3] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: File does not contain a Norice of Right to Cancel. |  | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 2965227414 | XXX | XXX | XXX | $XXX | NC | 10/XX/2005 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227788 | XXX | XXX | XXX | $XXX | VA | 12/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided | UW has verified MI was required. MI cert is missing |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227116 | XXX | XXX | XXX | $XXX | NY | 7/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227341 | XXX | XXX | XXX | $XXX | NJ | 3/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227049 | XXX | XXX | XXX | $XXX | NC | 11/XX/1999 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/1999 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.: No Vale Provided |  |  |  | Yes | Out | TR Indeterminable D |
| 2965226863 | XXX | XXX | XXX | $XXX | NC | 2/XX/2000 | UTD | Refinance UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2000 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 2965227814 | XXX | XXX | XXX | $XXX | MA | 4/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226816 | XXX | XXX | XXX | $XXX | IL | 4/XX/2005 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR TIL Deficiency B |
| 2965227367 | XXX | XXX | XXX | $XXX | MA | 3/XX/2006 | Primary | Refinance Cash-out - Home Improvement |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  | - B |
| 2965227408 | XXX | XXX | XXX | $XXX | NJ | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227562 | XXX | XXX | XXX | $XXX | MA | 4/XX/2008 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227843 | XXX | XXX | XXX | $XXX | NJ | 2/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement date but is not signed or dated by borrower so cannot confirm that borrower received |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965226955 | XXX | XXX | XXX | $XXX | MA | 8/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR TIL Deficiency (UAL State) B |
| 2965227190 | XXX | XXX | XXX | $XXX | FL | 10/XX/2004 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227712 | XXX | XXX | XXX | $XXX | CA | 5/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227379 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Closing / Title - Missing Document: HUD-1 Addendum not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005. |  | SELLER - GENERAL COMMENT (2019/XX/XX): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Final HUD-1.<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): HUD addendum not provided. Exception remains. | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | Tested | In | TR Tested D |
| 2965227397 | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $793,657.79 is underdisclosed from calculated Finance Charge of $793,943.93 in the amount of $286.14.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227536 | XXX | XXX | XXX | $XXX | CA | 10/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226824 | XXX | XXX | XXX | $XXX | FL | 5/XX/2008 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227014 | XXX | XXX | XXX | $XXX | PA | 1/XX/2007 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disparity in Occupancy: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Disparity in Occupancy: Initial application indicated primary residence. Final application indicated Investment on pg 1 but in the Declarations section, borrower checked Yes for intent to occupy. Compliance testing completed using occupancy of Primary with no high cost impact. |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227064 | XXX | XXX | XXX | $XXX | FL | 8/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227353 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | Primary | Purchase |  | 3 | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227236 | XXX | XXX | XXX | $XXX | CT | 10/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR TIL Deficiency B |
| 2965227875 | XXX | XXX | XXX | $XXX | NM | 11/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226877 | XXX | XXX | XXX | $XXX | CA | 8/XX/2005 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227573 | XXX | XXX | XXX | $XXX | FL | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227421 | XXX | XXX | XXX | $XXX | MN | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance.<br> [2] State Compliance - Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 2% of the unpaid principal balance of the loan.: Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Prepayment Penalty Disclosure Not Provided at application): Minnesota Residential Originator and Servicer Licensing Act: Prepayment penalty disclosure not provided to borrower.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Prepayment Penalty Disclosure Not Provided at closing): Minnesota Residential Originator and Servicer Licensing Act: Prepayment penalty disclosure not provided to borrower.<br> [2] State Compliance - (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements |  |  | Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty): Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective 8/1/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected.<br>State Compliance - Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 2% of the unpaid principal balance of the loan.: Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective 8/1/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. |  |  | In | TILA SOL Expired B |
| 2965227644 | XXX | XXX | XXX | $XXX | FL | 6/XX/2007 | Second Home | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227149 | XXX | XXX | XXX | $XXX | VA | 5/XX/2007 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227143 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Investment | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  | SELLER - GENERAL COMMENT (2019/XX/XX): The issue cited has either been resolved or was determined to not be an exception as noted. The final HUD-1 was located in the loan file. Please take note that it is common practice for loans funded in a dry funding state, such as California where the subject loan was funded, not to have signatures or a certified stamp. Loans in the above mentioned state are allowed to be funded prior to the disbursement of funds and without the borrower(s) being present to sign documents. However, the HUD-1 must reflect that it is "Final", which it does. Supporting documentation uploaded in DMP as Appeal 1<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): HUD provided still not signed or stamped. Exception remains |  |  | No | In | TNR Testing Not Required D |
| 2965226917 | XXX | XXX | XXX | $XXX | AZ | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  | SELLER - GENERAL COMMENT (2019/XX/XX): The issue cited has either been resolved or was determined to not be an exception as noted. The final HUD-1 was located in the loan file. Please take note that it is common practice for loans funded in a dry funding state, such as Arizona where the subject loan was funded, not to have signatures or a certified stamp. Loans in the above mentioned state are allowed to be funded prior to the disbursement of funds and without the borrower(s) being present to sign documents. However, the HUD-1 must reflect that it is "Final", which it does. "Supporting Documentation uploaded in DMP as Appeal 1".<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Escrow state HUD still needs CTC stamp or settlement agent signature. Exception remains. | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR HUD Deficiency |
| 2965226867 | XXX | XXX | XXX | $XXX | SC | 10/XX/2001 | UTD | UTD UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | UTD | Out | Indeterminable D |
| 2965226849 | XXX | XXX | XXX | $XXX | GA | 7/XX/2004 | Primary | Refinance UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.<br> [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [3] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Not provided |  | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | Yes | Out | TR Indeterminable D |
| 2965227122 | XXX | XXX | XXX | $XXX | TX | 6/XX/2007 | Second Home | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227673 | XXX | XXX | XXX | $XXX | MO | 5/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $784,041.72 is underdisclosed from calculated Finance Charge of $807,351.53 in the amount of $23,309.81.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Missouri Prepayment Penalty: Missouri Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Approval indicates index value used is 2.504%. The closest Index available in our look-back period is 2.6333% |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227618 | XXX | XXX | XXX | $XXX | NJ | 5/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227109 | XXX | XXX | XXX | $XXX | CA | 6/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227427 | XXX | XXX | XXX | $XXX | IN | 2/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227471 | XXX | XXX | XXX | $XXX | CA | 8/XX/2004 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227089 | XXX | XXX | XXX | $XXX | NC | 2/XX/2005 | Investment | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227127 | XXX | XXX | XXX | $XXX | CA | 2/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $467,299.49 is underdisclosed from calculated Finance Charge of $499,498.80 in the amount of $32,199.31.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] State Compliance - California Prepayment Penalty Test: California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the unpaid balance, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to Unable to determine index used by lender. Used index of 2.17080% |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965226852 | XXX | XXX | XXX | $XXX | GA | 9/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227221 | XXX | XXX | XXX | $XXX | CA | 10/XX/2004 | Investment | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | No | In | TNR Testing Not Required D |
| 2965227302 | XXX | XXX | XXX | $XXX | MO | 11/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227150 | XXX | XXX | XXX | $XXX | CA | 12/XX/2004 | Second Home | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227453 | XXX | XXX | XXX | $XXX | IL | 12/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227234 | XXX | XXX | XXX | $XXX | CA | 12/XX/2004 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226912 | XXX | XXX | XXX | $XXX | NC | 1/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226938 | XXX | XXX | XXX | $XXX | FL | 2/XX/2005 | Second Home | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Disparity in Occupancy - Not High Cost: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home)<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227780 | XXX | XXX | XXX | $XXX | UT | 3/XX/2005 | Investment | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227369 | XXX | XXX | XXX | $XXX | CA | 3/XX/2005 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227665 | XXX | XXX | XXX | $XXX | VA | 4/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $413,074.25 is underdisclosed from calculated Finance Charge of $424,890.10 in the amount of $11,815.85.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 2.347%. The closest Index available in our look-back period is 2.5042%. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227055 | XXX | XXX | XXX | $XXX | CA | 5/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226855 | XXX | XXX | XXX | $XXX | FL | 4/XX/2005 | Second Home | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  |  | - B |
| 2965227301 | XXX | XXX | XXX | $XXX | CO | 5/XX/2005 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $161,879.13 is underdisclosed from calculated Finance Charge of $166,889.23 in the amount of $5,010.10.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing instructions indicate the Index used was 2.504%. The lowest Index available within the look-back period is 2.6333%. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227189 | XXX | XXX | XXX | $XXX | TX | 10/XX/2005 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227482 | XXX | XXX | XXX | $XXX | MI | 7/XX/2005 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227636 | XXX | XXX | XXX | $XXX | IL | 9/XX/2005 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Illinois Prepayment Penalty: Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | State Compliance - Illinois Prepayment Penalty: PPP Expired. PPP of 6 months interest exceeds (IL) limit of no prepayment allowed on loans where APR exceeds 8%. Note indicates maximum APR Of 9.95%. Lender is XXX. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227595 | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227435 | XXX | XXX | XXX | $XXX | MD | 1/XX/2006 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Maryland Prepayment Penalty Test: Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227852 | XXX | XXX | XXX | $XXX | CA | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227115 | XXX | XXX | XXX | $XXX | CA | 9/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $604,765.39 is underdisclosed from calculated Finance Charge of $620,349.48 in the amount of $15,584.09.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Unable to test Affiliated Business Disclosure due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing Instructions indicate an index of 2.865% was used at origination, however, the lowest Index available within the look-back period is 3.01920%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226999 | XXX | XXX | XXX | $XXX | FL | 11/XX/2005 | Second Home | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $150,602.20 is underdisclosed from calculated Finance Charge of $155,496.54 in the amount of $4,894.34. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to incorrect index used at origination of 3.16630%. Lowest index available in the look back is 3.32580% |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227840 | XXX | XXX | XXX | $XXX | CA | 2/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,101,723.91 is underdisclosed from calculated Finance Charge of $1,118,875.57 in the amount of $17,151.66.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] State Compliance - California Prepayment Penalty Test: California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the unpaid balance, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Loan Approval indicates the Index used was 3.751%. The closest Index available in our look-back period is 3.8883% |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227404 | XXX | XXX | XXX | $XXX | WA | 5/XX/2006 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227304 | XXX | XXX | XXX | $XXX | CA | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $619,096.08 is underdisclosed from calculated Finance Charge of $627,049.29 in the amount of $7,953.21.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.143% per the approval, however the lowest index value available in the lookback period is 4.2817%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227197 | XXX | XXX | XXX | $XXX | TX | 4/XX/2006 | Investment | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227732 | XXX | XXX | XXX | $XXX | MA | 4/XX/2006 | Investment | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227773 | XXX | XXX | XXX | $XXX | NY | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $464,478.47 is underdisclosed from calculated Finance Charge of $473,181.66 in the amount of $8,703.19.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Prepayment Penalty: New York Prepayment Penalty: Adjustable rate loan greater than $250,000 contains an impermissible prepayment penalty of greater than 12 months.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 4.143% per the loan approval. however the lowest index value available in the look back period is 4.281%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227566 | XXX | XXX | XXX | $XXX | LA | 8/XX/2006 | Investment | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227227 | XXX | XXX | XXX | $XXX | GA | 9/XX/2006 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227134 | XXX | XXX | XXX | $XXX | NY | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227160 | XXX | XXX | XXX | $XXX | UT | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227656 | XXX | XXX | XXX | $XXX | TX | 6/XX/2008 | Second Home | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $276,416.79 is underdisclosed from calculated Finance Charge of $276,563.41 in the amount of $146.62.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965226924 | XXX | XXX | XXX | $XXX | WA | 7/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that Borrowers received |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227601 | XXX | XXX | XXX | $XXX | IA | 5/XX/2008 | Second Home | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227352 | XXX | XXX | XXX | $XXX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227609 | XXX | XXX | XXX | $XXX | MD | 7/XX/2005 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $441,292.93 is underdisclosed from calculated Finance Charge of $441,407.45 in the amount of $114.52.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227825 | XXX | XXX | XXX | $XXX | NY | 7/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227328 | XXX | XXX | XXX | $XXX | NC | 5/XX/2006 | Second Home | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 6.48100% is underdisclosed from calculated APR of 7.44562% outside of 0.125% tolerance.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $249,372.70 is underdisclosed from calculated Finance Charge of $302,042.13 in the amount of $52,669.43.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing instructions indicate the index used was 4.111% and the closest index in look back is 5.080%<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965226887 | XXX | XXX | XXX | $XXX | TX | 8/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but it is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227418 | XXX | XXX | XXX | $XXX | NY | 8/XX/2006 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227065 | XXX | XXX | XXX | $XXX | ME | 10/XX/2005 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227554 | XXX | XXX | XXX | $XXX | MD | 3/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR TIL Deficiency B |
| 2965226796 | XXX | XXX | XXX | $XXX | FL | 4/XX/2005 | UTD | UTD UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 2965227071 | XXX | XXX | XXX | $XXX | GA | 8/XX/2006 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227373 | XXX | XXX | XXX | $XXX | GA | 3/XX/2008 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226853 | XXX | XXX | XXX | $XXX | NV | 4/XX/2005 | UTD | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965226869 | XXX | XXX | XXX | $XXX | NC | 9/XX/2005 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227876 | XXX | XXX | XXX | $XXX | GA | 10/XX/2006 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227851 | XXX | XXX | XXX | $XXX | GA | 7/XX/2007 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227324 | XXX | XXX | XXX | $XXX | TX | 1/XX/2007 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226928 | XXX | XXX | XXX | $XXX | SC | 6/XX/2006 | Investment | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226807 | XXX | XXX | XXX | $XXX | FL | 7/XX/2005 | Investment | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226792 | XXX | XXX | XXX | $XXX | FL | 2/XX/2005 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227113 | XXX | XXX | XXX | $XXX | NC | 7/XX/2007 | Investment | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  | No | In | TNR Testing Not Required D |
| 2965226931 | XXX | XXX | XXX | $XXX | NC | 11/XX/2004 | Primary | Construction-Permanent |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965226929 | XXX | XXX | XXX | $XXX | OR | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227201 | XXX | XXX | XXX | $XXX | CA | 8/XX/1996 | UTD | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/1996 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 2965227661 | XXX | XXX | XXX | $XXX | CO | 10/XX/1994 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/1994 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 2965227327 | XXX | XXX | XXX | $XXX | MI | 12/XX/1999 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $180,271.73 is underdisclosed from calculated Finance Charge of $180,667.62 in the amount of $395.89.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the closing fee of $300 as a prepaid finance charge. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - Final TIL Estimated: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227592 | XXX | XXX | XXX | $XXX | CA | 9/XX/1994 | UTD | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/1994 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. | State Compliance - California Prepayment Penalty ARM Test: verified - rate increase |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required D |
| 2965227741 | XXX | XXX | XXX | $XXX | CA | 8/XX/2009 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - Initial TIL not provided<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227212 | XXX | XXX | XXX | $XXX | VA | 4/XX/2005 | UTD | UTD UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain preliminary nor final title. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary.<br> [2] State Compliance - Virginia Tangible Net Benefit Test: Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 2965227858 | XXX | XXX | XXX | $XXX | NC | 12/XX/2001 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either a Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226968 | XXX | XXX | XXX | $XXX | FL | 9/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2003, prior to three (3) business days from transaction date of XX/XX/2003.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Right of Rescission Timing HELOC - Receipt Date Missing: The signature is not dated. |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226909 | XXX | XXX | XXX | $XXX | FL | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227651 | XXX | XXX | XXX | $XXX | FL | 12/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227873 | XXX | XXX | XXX | $XXX | MO | 8/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.<br> [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | No | In | TNR Testing Not Required D |
| 2965227670 | XXX | XXX | XXX | $XXX | MA | 7/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Credit Agreement Not Signed: Truth in Lending Act (HELOC): Credit Agreement not signed by borrower(s).<br> [3] Federal Compliance - TILA HELOC - HELOC Brochure Missing: Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - TILA HELOC - Credit Agreement Not Signed: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - HELOC Brochure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227625 | XXX | XXX | XXX | $XXX | TX | 3/XX/2002 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226996 | XXX | XXX | XXX | $XXX | GA | 10/XX/2003 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227056 | XXX | XXX | XXX | $XXX | TX | 6/XX/2001 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227456 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Tested | In | TR Tested B |
| 2965227232 | XXX | XXX | XXX | $XXX | NY | 2/XX/2004 | Primary | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227520 | XXX | XXX | XXX | $XXX | CA | 11/XX/2003 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  | SELLER - GENERAL COMMENT (2019/XX/XX): "The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Final HUD1 <br> "<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Escrow state HUD still needs CTC stamp or settlement agent signature. Exception remains. |  |  | No | In | TNR Testing Not Required D |
| 2965227057 | XXX | XXX | XXX | $XXX | SC | 12/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227121 | XXX | XXX | XXX | $XXX | NV | 1/XX/2004 | Second Home | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227415 | XXX | XXX | XXX | $XXX | MI | 8/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227409 | XXX | XXX | XXX | $XXX | FL | 8/XX/2004 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227094 | XXX | XXX | XXX | $XXX | SC | 8/XX/2004 | Second Home | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227547 | XXX | XXX | XXX | $XXX | IL | 2/XX/2005 | Investment | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226985 | XXX | XXX | XXX | $XXX | CA | 3/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226961 | XXX | XXX | XXX | $XXX | OR | 11/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227451 | XXX | XXX | XXX | $XXX | CA | 6/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $439,233.11 is underdisclosed from calculated Finance Charge of $439,331.38 in the amount of $98.27.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to lender used index lower than only index available in look back of 2.73670% |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227339 | XXX | XXX | XXX | $XXX | CA | 4/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $408,632.10 is underdisclosed from calculated Finance Charge of $420,465.53 in the amount of $11,833.43.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 2.171% per the approval, however the lowest index value available in the lookback period is 2.3467%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227124 | XXX | XXX | XXX | $XXX | MA | 1/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $258,663.53 is underdisclosed from calculated Finance Charge of $276,216.78 in the amount of $17,553.25.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure is due to the lender utilizing an index value of 1.96% per the loan approval, however the lowest index value available in the lookback period is 2.11%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227437 | XXX | XXX | XXX | $XXX | IL | 8/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $368,062.91 is underdisclosed from calculated Finance Charge of $389,372.34 in the amount of $21,309.43. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to lender used index lower than only index available in look back of 3.01920% |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227363 | XXX | XXX | XXX | $XXX | CA | 8/XX/2005 | Investment | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227093 | XXX | XXX | XXX | $XXX | MA | 8/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227354 | XXX | XXX | XXX | $XXX | CA | 8/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $722,170.07 is underdisclosed from calculated Finance Charge of $764,254.44 in the amount of $42,084.37.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing Instructions indicate an index of 2.676% was used at origination, however, the lowest Index available within the look-back period is 2.87%. |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227133 | XXX | XXX | XXX | $XXX | CA | 9/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $281,822.92 is underdisclosed from calculated Finance Charge of $289,436.12 in the amount of $7,613.20.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing Instructions indicate an index of 3.019% was used at origination, however, the lowest Index available within the look-back period is 3.1633%. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226804 | XXX | XXX | XXX | $XXX | GA | 10/XX/2005 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227126 | XXX | XXX | XXX | $XXX | CA | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $519,012.72 is underdisclosed from calculated Finance Charge of $531,606.49 in the amount of $12,593.77.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing Instructions indicate an index of 3.326% was used at origination, however, the lowest Index available within the look-back period is 3.4783%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227275 | XXX | XXX | XXX | $XXX | CA | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $247,173.37 is underdisclosed from calculated Finance Charge of $253,448.40 in the amount of $6,275.03.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing Instructions indicate an index of 3.163% was used at origination, however, the lowest Index available within the look-back period is 3.3258%. |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227095 | XXX | XXX | XXX | $XXX | CA | 11/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type.<br> [2] State Compliance - California Prepayment Penalty Test: California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the unpaid balance, depending on the lender's license type. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227545 | XXX | XXX | XXX | $XXX | CA | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $632,307.71 is underdisclosed from calculated Finance Charge of $654,052.74 in the amount of $21,745.03.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing Instructions indicate an index of 3.326% was used at origination, however, the lowest Index available within the look-back period is 3.4783%. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227332 | XXX | XXX | XXX | $XXX | VA | 1/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227602 | XXX | XXX | XXX | $XXX | CA | 1/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227637 | XXX | XXX | XXX | $XXX | VA | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of 5.66200% is underdisclosed from calculated APR of 5.92822% outside of 0.125% tolerance.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $379,340.34 is underdisclosed from calculated Finance Charge of $408,446.58 in the amount of $29,106.24. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing Instructions indicate index value used is 3.019%; closest index available in lookback period is 3.3258% |  | Federal Compliance - TIL APR Tolerance Irregular Transaction: TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227086 | XXX | XXX | XXX | $XXX | CA | 11/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $1,943,643.22 is underdisclosed from calculated Finance Charge of $2,034,691.45 in the amount of $91,048.23.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2005, prior to three (3) business days from transaction date of XX/XX/2005.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was provided due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to lender used index of 3.163%, lowest index in look back is 3.32580% |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227759 | XXX | XXX | XXX | $XXX | CA | 10/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $427,867.11 is underdisclosed from calculated Finance Charge of $438,853.23 in the amount of $10,986.12.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing Instructions indicate an index of 3.163% was used at origination, however, the lowest Index available within the look-back period is 3.325%. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227740 | XXX | XXX | XXX | $XXX | CA | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227787 | XXX | XXX | XXX | $XXX | MN | 6/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227042 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965226902 | XXX | XXX | XXX | $XXX | FL | 7/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: HUD page 2 cutoff at the bottom of the form unable to verify all fees. | SELLER - GENERAL COMMENT (2019/XX/XX): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Final HUD-1.<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): HUD provided still cut off. Exception remains. | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | Yes | Out | TR Indeterminable D |
| 2965226810 | XXX | XXX | XXX | $XXX | VT | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227491 | XXX | XXX | XXX | $XXX | MI | 3/XX/2006 | Primary | Refinance Rate/Term |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | In | TILA SOL Expired B |
| 2965227059 | XXX | XXX | XXX | $XXX | RI | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227269 | XXX | XXX | XXX | $XXX | CA | 5/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  | SELLER - GENERAL COMMENT (2019/XX/XX): The issue cited has either been resolved or was determined to not be an exception as noted. The final HUD-1 was located in the loan file. Please take note that it is common practice for loans funded in a dry funding state, such as California where the subject loan was funded, not to have signatures or a certified stamp. Loans in the above mentioned state are allowed to be funded prior to the disbursement of funds and without the borrower(s) being present to sign documents. However, the HUD-1 must reflect that it is "Final", which it does. Supporting documentation uploaded in DMP as Appeal 1<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): HUD provided unsigned. Exception remains. | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  | Yes | Out | TR HUD Deficiency |
| 2965227526 | XXX | XXX | XXX | $XXX | TX | 6/XX/2006 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227340 | XXX | XXX | XXX | $XXX | OR | 5/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Oregon Prepayment Penalty Max Prepay: Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227603 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227255 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965226954 | XXX | XXX | XXX | $XXX | GA | 2/XX/2007 | Second Home | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227106 | XXX | XXX | XXX | $XXX | NC | 12/XX/2006 | Investment | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227848 | XXX | XXX | XXX | $XXX | MI | 8/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $217,049.49 is underdisclosed from calculated Finance Charge of $219,530.85 in the amount of $2,481.36.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2006, prior to three (3) business days from transaction date of XX/XX/2006.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. | Federal Compliance - Final TIL Finance Charge Under Disclosed: It appears a lower Index was used at origination than the 4.66420% Index available within the look-back period. |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  |  | In | TILA SOL Expired B |
| 2965226960 | XXX | XXX | XXX | $XXX | AZ | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965226851 | XXX | XXX | XXX | $XXX | WA | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226905 | XXX | XXX | XXX | $XXX | WA | 6/XX/2007 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227311 | XXX | XXX | XXX | $XXX | MI | 6/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227553 | XXX | XXX | XXX | $XXX | IL | 4/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227188 | XXX | XXX | XXX | $XXX | UT | 7/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227253 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227449 | XXX | XXX | XXX | $XXX | IL | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965226913 | XXX | XXX | XXX | $XXX | VA | 7/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227207 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227834 | XXX | XXX | XXX | $XXX | VA | 9/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227715 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Investment | Refinance Rate/Term |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227279 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  | - B |
| 2965227389 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR TIL Deficiency B |
| 2965227215 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - California Prepayment Penalty ARM Test: California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227620 | XXX | XXX | XXX | $XXX | NY | 8/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227467 | XXX | XXX | XXX | $XXX | AZ | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226914 | XXX | XXX | XXX | $XXX | AZ | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227748 | XXX | XXX | XXX | $XXX | PA | 10/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227688 | XXX | XXX | XXX | $XXX | CA | 9/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [3] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227395 | XXX | XXX | XXX | $XXX | TX | 9/XX/2007 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227454 | XXX | XXX | XXX | $XXX | WA | 9/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  | SELLER - GENERAL COMMENT (2019/XX/XX): The issue cited has either been resolved or was determined to not be an exception as noted. The final HUD-1 was located in the loan file. Please take note that it is common practice for loans funded in a dry funding state, such as Washington where the subject loan was funded, not to have signatures or a certified stamp. Loans in the above mentioned state are allowed to be funded prior to the disbursement of funds and without the borrower(s) being present to sign documents. However, the HUD-1 must reflect that it is "Final", which it does. "Supporting Documentation uploaded in DMP as Appeal 1".<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Escrow state HUD still needs CTC stamp or settlement agent signature. Exception remains. |  |  | Yes | Out | TR HUD Deficiency |
| 2965227643 | XXX | XXX | XXX | $XXX | VA | 12/XX/2007 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227346 | XXX | XXX | XXX | $XXX | CA | 1/XX/2008 | Primary | Purchase |  | 3 | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226819 | XXX | XXX | XXX | $XXX | NC | 12/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227087 | XXX | XXX | XXX | $XXX | FL | 1/XX/2008 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227680 | XXX | XXX | XXX | $XXX | IN | 12/XX/2008 | Investment | Refinance Cash-out - Debt Consolidation |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227598 | XXX | XXX | XXX | $XXX | IL | 5/XX/2013 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $156,829.18 is underdisclosed from calculated Finance Charge of $157,564.23 in the amount of $735.05.<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA (2010) - 10% Tolerance With Cure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227481 | XXX | XXX | XXX | $XXX | MO | 8/XX/2008 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date; cannot confirm date received by Borrower |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227861 | XXX | XXX | XXX | $XXX | AR | 6/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227062 | XXX | XXX | XXX | $XXX | AR | 8/XX/2007 | Second Home | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965226962 | XXX | XXX | XXX | $XXX | CT | 10/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $300,114.89 is underdisclosed from calculated Finance Charge of $300,876.66 in the amount of $761.77.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227422 | XXX | XXX | XXX | $XXX | NJ | 7/XX/1997 | UTD | UTD UTD |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1997 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | UTD | Out | Indeterminable D |
| 2965226990 | XXX | XXX | XXX | $XXX | SC | 6/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  | Tested | In | TR Tested B |
| 2965226832 | XXX | XXX | XXX | $XXX | TX | 8/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965226925 | XXX | XXX | XXX | $XXX | NM | 2/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency (UAL State) B |
| 2965226833 | XXX | XXX | XXX | $XXX | NY | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227242 | XXX | XXX | XXX | $XXX | NV | 1/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227034 | XXX | XXX | XXX | $XXX | MD | 6/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227785 | XXX | XXX | XXX | $XXX | GA | 7/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227544 | XXX | XXX | XXX | $XXX | TX | 6/XX/2001 | UTD | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227249 | XXX | XXX | XXX | $XXX | SC | 12/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  | Tested | In | TR Tested B |
| 2965227074 | XXX | XXX | XXX | $XXX | NC | 5/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227072 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  | SELLER - GENERAL COMMENT (2019/XX/XX): The issue cited has either been resolved or was determined to not be an exception as noted. A copy of the HUD1 has been located and is being provided. Supporting docs are being uploaded as XXX#XXX_Compliance Documents<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Escrow state HUD still needs CTC stamp or settlement agent signature. Exception remains. | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR HUD Deficiency |
| 2965226910 | XXX | XXX | XXX | $XXX | TX | 1/XX/2008 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227376 | XXX | XXX | XXX | $XXX | CA | 9/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226967 | XXX | XXX | XXX | $XXX | AZ | 10/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by Borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226904 | XXX | XXX | XXX | $XXX | GA | 10/XX/2006 | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227308 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227433 | XXX | XXX | XXX | $XXX | TX | 8/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226927 | XXX | XXX | XXX | $XXX | GA | 2/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227303 | XXX | XXX | XXX | $XXX | TX | 4/XX/2005 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Closing / Title - TILA - Final TIL Missing<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Closing / Title - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227171 | XXX | XXX | XXX | $XXX | NY | 5/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed or initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227443 | XXX | XXX | XXX | $XXX | GA | 12/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227040 | XXX | XXX | XXX | $XXX | IL | 3/XX/2007 | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227245 | XXX | XXX | XXX | $XXX | TX | 5/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but it is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227162 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226825 | XXX | XXX | XXX | $XXX | NC | 2/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965226937 | XXX | XXX | XXX | $XXX | TX | 6/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227259 | XXX | XXX | XXX | $XXX | MO | 8/XX/2006 | Primary | Purchase |  | 3 | [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227441 | XXX | XXX | XXX | $XXX | GA | 7/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but no signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Til in file indicated to be final, expected funding date same as disbursement and /or note date but is not signed or dated by the borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227218 | XXX | XXX | XXX | $XXX | FL | 12/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227392 | XXX | XXX | XXX | $XXX | GA | 8/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR TIL Deficiency B |
| 2965227786 | XXX | XXX | XXX | $XXX | CA | 5/XX/2005 | UTD | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227506 | XXX | XXX | XXX | $XXX | TX | 8/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227239 | XXX | XXX | XXX | $XXX | NC | 11/XX/2006 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227769 | XXX | XXX | XXX | $XXX | CA | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR HUD Deficiency |
| 2965227720 | XXX | XXX | XXX | $XXX | MO | 7/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965226821 | XXX | XXX | XXX | $XXX | FL | 3/XX/2006 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965226945 | XXX | XXX | XXX | $XXX | AZ | 11/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227129 | XXX | XXX | XXX | $XXX | TX | 8/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227148 | XXX | XXX | XXX | $XXX | GA | 4/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR Indeterminable D |
| 2965227789 | XXX | XXX | XXX | $XXX | DC | 8/XX/2003 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227172 | XXX | XXX | XXX | $XXX | CA | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227795 | XXX | XXX | XXX | $XXX | TX | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received<br> Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227128 | XXX | XXX | XXX | $XXX | GA | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226992 | XXX | XXX | XXX | $XXX | NC | 5/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965226802 | XXX | XXX | XXX | $XXX | GA | 12/XX/2006 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227775 | XXX | XXX | XXX | $XXX | NC | 5/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227186 | XXX | XXX | XXX | $XXX | GA | 10/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227708 | XXX | XXX | XXX | $XXX | SC | 8/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in fle indicates to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  | Tested | In | TR Tested B |
| 2965227273 | XXX | XXX | XXX | $XXX | AR | 3/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL Appears to be final but not signed or initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227835 | XXX | XXX | XXX | $XXX | CA | 9/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: Til appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227140 | XXX | XXX | XXX | $XXX | VA | 11/XX/2006 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement date and/or note date but is not signed or dated by borrower so cannot confirm borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227474 | XXX | XXX | XXX | $XXX | TX | 11/XX/2003 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: Illegible HUD-1 Used For Fee Testing: Missing Final HUD-1: Illegible HUD-1 used for any applicable Federal, State or Local compliance testing.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided | Federal Compliance - Missing Final HUD-1: Illegible HUD-1 Used For Fee Testing: Final HUD cut off at the bottom. | SELLER - GENERAL COMMENT (2019/XX/XX): The issue cited has either been resolved or was determined to not be an exception as noted. We have located the Final HUD-1 in the loan file. "Supporting Documentation uploaded in DMP as Appeal 1".<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): HUD provided still cut off. Exception remains. | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227523 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965227802 | XXX | XXX | XXX | $XXX | PA | 10/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227594 | XXX | XXX | XXX | $XXX | KS | 5/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227584 | XXX | XXX | XXX | $XXX | CA | 11/XX/2004 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | Final title policy and prelim title polict not provided |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965226891 | XXX | XXX | XXX | $XXX | AZ | 6/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227223 | XXX | XXX | XXX | $XXX | AZ | 3/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227764 | XXX | XXX | XXX | $XXX | PA | 1/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: Til appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965226975 | XXX | XXX | XXX | $XXX | GA | 3/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by Borrower so cannot confirm that Borrower received |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | Tested | In | TR Tested B |
| 2965226976 | XXX | XXX | XXX | $XXX | TX | 6/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226980 | XXX | XXX | XXX | $XXX | NC | 4/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received |  | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227749 | XXX | XXX | XXX | $XXX | AR | 5/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227784 | XXX | XXX | XXX | $XXX | MD | 7/XX/2004 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227503 | XXX | XXX | XXX | $XXX | MA | 9/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $327,017.43 is underdisclosed from calculated Finance Charge of $327,095.23 in the amount of $77.80.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227146 | XXX | XXX | XXX | $XXX | TX | 10/XX/2002 | UTD | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227718 | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | Second Home | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965227593 | XXX | XXX | XXX | $XXX | CA | 7/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227687 | XXX | XXX | XXX | $XXX | TX | 11/XX/2006 | Investment | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965227681 | XXX | XXX | XXX | $XXX | CA | 6/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR TIL Deficiency B |
| 2965227510 | XXX | XXX | XXX | $XXX | OR | 12/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by Borrowers<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by Borrowers so cannot confirm that Borrowers received |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | No | In | TNR Testing Not Required B |
| 2965226934 | XXX | XXX | XXX | $XXX | CT | 8/XX/2007 | Primary | Refinance Rate/Term |  | 3 | [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [3] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226957 | XXX | XXX | XXX | $XXX | NC | 3/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227383 | XXX | XXX | XXX | $XXX | OK | 1/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227276 | XXX | XXX | XXX | $XXX | CA | 12/XX/2007 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | Tested | In | TR Tested B |
| 2965226969 | XXX | XXX | XXX | $XXX | AR | 11/XX/2003 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | No | In | TNR Testing Not Required B |
| 2965227100 | XXX | XXX | XXX | $XXX | TX | 8/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227079 | XXX | XXX | XXX | $XXX | TX | 1/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR TIL Deficiency B |
| 2965227068 | XXX | XXX | XXX | $XXX | TX | 2/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Tested | In | TR Tested B |
| 2965227375 | XXX | XXX | XXX | $XXX | RI | 11/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided.<br> [2] State Compliance - Rhode Island High Cost Analysis Timing: Rhode Island Home Loan: High-cost Analysis not documented and substantiated prior to closing of the loan.<br> [2] State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> State Compliance - Rhode Island High Cost Analysis Timing: HIghcost in file | REVIEWER - GENERAL COMMENT (2019/XX/XX): Downgraded to EV2 based on loan originated by National Bank, exempt from RI Home Loan regulations and exemption should travel to assignee per outside counsel.<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Downgraded to EV2 based on loan originated by National Bank, exempt from RI Home Loan regulations and exemption should travel to assignee per outside counsel.<br> REVIEWER - GENERAL COMMENT (2019/XX/XX): Downgraded to EV2 based on loan originated by National Bank, exempt from RI Home Loan regulations and exemption should travel to assignee per outside counsel. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8)<br>State Compliance - Rhode Island High Cost Analysis Timing: "Assignee Liability: A borrower may bring a claim against an assignee or subsequent holder of a high cost home loan under two separate provisions of the Act. The rights conferred on borrowers by these two provisions are independent of each other and do not limit each other. <br> (1) Any person who purchases or is otherwise assigned a high cost home loan will be subject to all affirmative claims and any defenses with respect to the loan that the borrower could assert against the original creditor. Significantly, this liability does not appear to be independently capped or subject to any limitations periods. Further, class actions appear to be permitted. <br> (2) A borrower may also assert against any subsequent holder or assignee of a high cost home loan any claims that the borrower could assert against the original creditor. Any such claims must be brought only in an individual capacity and are limited to amounts required to reduce or extinguish the borrower's liability under the high cost home loan plus costs, including reasonable attorneys' fees.<br> Effective June 20, 2007, HB 5485 and SB 371 revise the liability provisions to create one single cause of action against assignees. As revised, any person who purchases or is otherwise assigned a high cost home loan will continue to be subject to all affirmative claims and any defenses that the borrower could assert against the original creditor. Any such claims must be brought only in an individual capacity and are limited to amounts required to reduce or extinguish the borrower's liability under the high cost home loan plus costs, including reasonable attorneys' fees. Any such claim may be asserted by a borrower acting only in an individual capacity and must be asserted as follows: (a) Within five years of the closing of a high cost home loan, if the claim is an original action relating to a violation of the Act; and (b) With respect to any defense, claim, counterclaim, or action to enjoin foreclosure or preserve or obtain possession of the home that secures the loan, at any time during the term of the high cost home loan, after an action to collect on the high cost home loan or foreclose on the collateral securing the high cost home loan has been initiated or the debt arising from the high cost home loan has been accelerated or the high cost home loan has become sixty days in default."<br>State Compliance - Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided): A court, as injunctive relieve to an aggrieved consumer, may issue an order or injunction barring any judicial or non-judicial foreclosure or other lender action under the mortgage or deed of trust securing any home mortgage loan which violates this chapter (RI Stat 34-25.2-8) |  | Tested | In | TR Tested B |
| 2965226870 | XXX | XXX | XXX | $XXX | SC | 5/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $95,176.50 is underdisclosed from calculated Finance Charge of $96,385.11 in the amount of $1,208.61.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  | Tested | In | TR Tested B |
| 2965227142 | XXX | XXX | XXX | $XXX | FL | 6/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227470 | XXX | XXX | XXX | $XXX | MD | 1/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227051 | XXX | XXX | XXX | $XXX | MO | 9/XX/2006 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965226830 | XXX | XXX | XXX | $XXX | TX | 12/XX/2007 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file. | File does not contain either Preliminary or Final Title". |  |  |  |  | 3 | [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226932 | XXX | XXX | XXX | $XXX | MI | 7/XX/2007 | Primary | Purchase |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227394 | XXX | XXX | XXX | $XXX | MD | 4/XX/2007 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  |  | - B |
| 2965227490 | XXX | XXX | XXX | $XXX | DC | 3/XX/2007 | Primary | Refinance Rate/Term |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  |  |  | - B |
| 2965227361 | XXX | XXX | XXX | $XXX | CA | 2/XX/2003 | Primary | Refinance Rate/Term |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain preliminary nor final title. |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - ARM Disclosure Status Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965227013 | XXX | XXX | XXX | $XXX | GA | 4/XX/2003 | Primary | Purchase |  | 3 | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  | Federal Compliance - ARM Disclosure Prior to Closing Timing: TILA - subject to a 1 year SOL for affirmative claims under TILA |  |  | In | TILA SOL Expired B |
| 2965227026 | XXX | XXX | XXX | $XXX | TX | 6/XX/2005 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  |  | In | TILA SOL Expired B |
| 2965227364 | XXX | XXX | XXX | $XXX | WV | 8/XX/2005 | Second Home | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227293 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Investment | Refinance Cash-out - Other |  | 2 |  |  |  |  |  |  | 2 | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  | - B |
| 2965226991 | XXX | XXX | XXX | $XXX | NC | 10/XX/2000 | Primary | Purchase |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR TIL Deficiency B |
| 2965226811 | XXX | XXX | XXX | $XXX | FL | 3/XX/2001 | Primary | Purchase |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2001 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  | No | In | TNR Testing Not Required D |
| 2965227097 | XXX | XXX | XXX | $XXX | VA | 8/XX/2003 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - (Missing Data) Missing Information to Determine Origination Channel: Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail.<br> [2] State Compliance - Virginia Tangible Net Benefit Test: Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Yes | Out | TR Indeterminable D |
| 2965227045 | XXX | XXX | XXX | $XXX | SC | 6/XX/2009 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  | Tested | In | TR Tested B |
| 2965227608 | XXX | XXX | XXX | $XXX | NY | 5/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on XX/XX/2007, prior to three (3) business days from transaction date of XX/XX/2007.<br> [3] Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 4.00000% exceeds the state maximum of 2%.<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by Borrowers<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> State Compliance - New York Late Charge Percent Testing: 4% late fee is >2% maximum for the state of NY. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Notice of Right To Cancel Not Provided to All Required Parties: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965227677 | XXX | XXX | XXX | $XXX | NJ | 2/XX/1996 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227768 | XXX | XXX | XXX | $XXX | IL | 6/XX/2003 | Primary | Refinance Rate/Term |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | Tested | In | TR Tested B |
| 2965227156 | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 3 | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $889,464.33 is underdisclosed from calculated Finance Charge of $946,183.38 in the amount of $56,719.05.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Under disclosure due to lender used lower index that available in lookback and has 2nd payment period as 60 mos, per note rate changes monthly and payment annually until recast. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - Final TIL Finance Charge Under Disclosed: TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TILA SOL Expired B |
| 2965227161 | XXX | XXX | XXX | $XXX | CA | 8/XX/2006 | Primary | Purchase |  | 1 |  |  |  |  |  |  | 1 |  |  |  |  |  |  |  | - A |
| 2965227420 | XXX | XXX | XXX | $XXX | CA | 4/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability.<br>Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Yes | Out | TR TIL Deficiency B |
| 2965227365 | XXX | XXX | XXX | $XXX | MD | 6/XX/2007 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [3] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [3] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received.<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - ARM Disclosure Timing Test: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Federal Compliance - CHARM Booklet Disclosure Status: TILA - subject to a 1 year SOL for affirmative claims under TILA<br>Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227169 | XXX | XXX | XXX | $XXX | MD | 12/XX/2005 | Primary | Purchase |  | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | Federal Compliance - TILA - Final TIL Missing: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - FACTA Disclosure Missing: There is no Assignee Liability. |  | No | In | TNR Testing Not Required B |
| 2965227590 | XXX | XXX | XXX | $XXX | NJ | 9/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [3] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [3] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL appears to be final but not signed nor initialed by borrower<br> Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | Federal Compliance - Right of Rescission Timing - Receipt Date Missing: TILA ROR - 3yrs for rescindable transactions.<br>Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | Tested | In | TR Tested B |
| 2965226813 | XXX | XXX | XXX | $XXX | SC | 9/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary of Final Title |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): Exceptions occurring more than 6 years ago may be outside the states statute of limitations. Due to the potential remedies available to a court, this exception carries elevated risk to an assignee during the initial 6 years after occurrence of the violation. After the expiration of this 6 year period, the exception retains risk for claims raised as a defense to foreclosure, but not at the same level as during the initial 6 years for affirmative claims. |  |  | In | TILA SOL Expired B |
| 2965227028 | XXX | XXX | XXX | $XXX | FL | 6/XX/2004 | UTD | UTD UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.<br> [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2004 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | UTD | Out | Indeterminable D |
| 2965227004 | XXX | XXX | XXX | $XXX | FL | 3/XX/2005 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - Missing Document: Security Instrument - Subject Lien not provided | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements.<br> [3] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [3] Federal Compliance - Federal HELOC Itemization of Final Costs and Fees Not Provided: Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of XX/XX/2005 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  | Federal Compliance - Costs and Fees Not Disclosed In HELOC Agreement: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  | No | In | TNR Testing Not Required D |
| 2965226840 | XXX | XXX | XXX | $XXX | FL | 11/XX/2007 | UTD | UTD UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226843 | XXX | XXX | XXX | $XXX | FL | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either a Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227586 | XXX | XXX | XXX | $XXX | CA | 8/XX/2007 | UTD | UTD UTD |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [3] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [3] Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Important Terms Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227370 | XXX | XXX | XXX | $XXX | NY | 1/XX/2002 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either a Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening.<br> [3] Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening.<br> [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - New York Late Charge Grace Period Testing: New York Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.<br> [2] State Compliance - New York Late Charge Percent Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | State Compliance - New York Late Charge Grace Period Testing: NY grace period minimum is 15 days<br> State Compliance - New York Late Charge Percent Testing: NY late charge maximum is %2 |  | Federal Compliance - TILA HELOC - Credit Agreement Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TILA HELOC - Billing Rights Disclosure Not Provided Timely: TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227419 | XXX | XXX | XXX | $XXX | PA | 11/XX/2007 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2007 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965227243 | XXX | XXX | XXX | $XXX | PA | 10/XX/2006 | UTD | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Lien - Missing evidence of lien position on Other Financing.: Lien Position: 2 | File does not contain either Preliminary or Final title |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] State Compliance - Pennsylvania First Lien Late Charge Grace Period Testing: Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions. |  |  | In | TILA SOL Expired B |
| 2965226841 | XXX | XXX | XXX | $XXX | MA | 3/XX/2008 | Primary | Refinance Cash-out - Other |  | 3 | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 | File does not contain either Preliminary or Final Title. |  |  |  |  | 3 | [3] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2008 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] State Compliance - Massachusetts Open End Late Charge Grace Period Testing: Massachusetts Late Charge: Note grace period of 10 days is less than the state minimum of 15 days.<br> [2] State Compliance - Massachusetts Open End Late Charge Percent and Amount Testing: Unable to determine if late charge exceeds state maximum due to missing information.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. | State Compliance - Massachusetts Open End Late Charge Percent and Amount Testing: 5% late charge exceeds 3% maximum per state (MA) |  | Federal Compliance - Notice of Right to Cancel Missing: TILA ROR - 3yrs for rescindable transactions.<br>State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  |  | In | TILA SOL Expired B |
| 2965227244 | XXX | XXX | XXX | $XXX | NY | 5/XX/2017 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided |  |  |  |  |  | 2 | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/2017) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of early receipt was located in the file |  |  |  |  |  | - B |
| 2965227405 | XXX | XXX | XXX | $XXX | PA | 12/XX/2017 | Primary | Purchase | Safe Harbor QM | 3 |  |  |  |  |  |  | 3 | [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,542.51 exceeds tolerance of $1,016.00. Insufficient or no cure was provided to the borrower. (7200)<br> [2] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.<br> [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/XX/2017) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No cure or Valid COC was provided to borrower<br> Federal Compliance - TRID Home Loan Toolkit Provided: No evidence of receipt of Booklet<br> Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: No cure or Valid COC was provided to borrower | REVIEWER - WAIVED COMMENT (2019/XX/XX): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Home Loan Toolkit Provided: TILA - 1yr affirmative.<br>Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TRID SOL Expired B |
| 2965227323 | XXX | XXX | XXX | $XXX | MI | 8/XX/2018 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 3 | [3] Application / Processing - Missing Document: Fraud Report not provided |  |  |  |  |  | 3 | [3] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/XX/XX/2018)<br> [3] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $196.52 exceeds tolerance of $188.00. Insufficient or no cure was provided to the borrower. (7200)<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.<br> [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on XX/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/XX/2018) | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment: The escrow amount of $271.94 did not include the escrow payment of $48.17.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid change of circumstance or cure was evidenced in the loan file.<br> State Compliance - Michigan CMPA Home Loan Toolkit Status: The disclosure was not evidenced in the loan file.<br> Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: No valid change of circumstance or cure was evidenced in the loan file. | REVIEWER - WAIVED COMMENT (2019/XX/XX): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  |  | In | TRID SOL Expired B |
| 2965227378 | XXX | XXX | XXX | $XXX | NJ | 12/XX/2018 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 3 |  |  |  | [3] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  | 3 | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). | Federal Compliance - Check Loan Designation Match - QM: Per Compliance report in the loan file. Loan is Safe Harbor |  | Federal Compliance - Check Loan Designation Match - QM: Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  |  | Out | TILA ATR/QM C B |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 4**

![](tm235201d1_ex991-4img001.jpg)

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Unable To Clear Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 2965227746 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227746 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227746 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227746 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227746 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2007, prior to three (3) business days from transaction date of 01/XX/2007. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227746 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227746 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227347 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227347 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227347 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227347 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227347 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/06, prior to three (3) business days from transaction date of 08/XX/06. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227347 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227347 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227347 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227267 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227267 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227267 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227267 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP Expired. Prepayment charge not allowed per state CA - max prepayment charge for CA ARM loan is 0% - note states 6 months interest. Lender is XXX |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227267 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $480,732.38 is underdisclosed from calculated Finance Charge of $501,499.49 in the amount of $20,767.11. | Under-disclosure is in the payment stream |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227267 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XX/XX/05, prior to three (3) business days from transaction date of XX/XX/05. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227267 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227267 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227267 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227267 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227805 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2008 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227805 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 2/XX/2008 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227805 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227805 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227805 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2008 | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227805 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2008, prior to three (3) business days from transaction date of 02/XX/2008. |  |  |  |  |  |  |  | 3 | 2/XX/2008 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227805 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227002 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227002 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227002 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227002 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227002 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227002 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227002 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227611 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CO | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227611 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227611 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227611 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CO | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227611 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CO | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227611 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227439 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2008 | KY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227439 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | KY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227439 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | KY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227439 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2008 | KY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227439 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2008 | KY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227439 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Kentucky Prepayment Penalty Test | Kentucky Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Prepayment penalty is expired. Penalty complies with restrictions per state (KY). |  |  |  |  |  |  | 2 | 5/XX/2008 | KY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227439 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 5/XX/2008 | KY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226837 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | ID | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226837 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 12/XX/2007 | ID | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226837 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | ID | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226837 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | ID | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226837 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Idaho Residential Mortgage Practices Act (Rate Lock Agreement Not Provided) | Idaho Residential Mortgage Practices Act: Rate Lock-In/Float Disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | ID | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226837 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Idaho Prepayment Penalty | Idado Prepayment Penalty: Loan contains a prepayment penalty which was not disclosed separately in writing to borrower within three (3) days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | ID | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226837 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | ID | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226837 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | ID | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226837 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | ID | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227265 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2004 | SC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227265 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227265 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $254,584.20 is underdisclosed from calculated Finance Charge of $255,283.17 in the amount of $698.97. | Unable to determine the reason for the under disclosure |  |  |  |  |  |  | 3 | 9/XX/2004 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227265 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2004, prior to three (3) business days from transaction date of 09/XX/2005. |  |  |  |  |  |  |  | 3 | 9/XX/2004 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227265 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 9/XX/2004 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227265 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227265 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Virginia Prepayment Penalty | Virginia Prepayment Penalty: Loan on an owner-occupied property contains an impermissible prepayment penalty of greater than 2% of the prepaid balance; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP Expired. Prepayment charge not allowed per state VA - max prepayment charge for VA ARM/Fixed loan is 2% - note states 3,2,1%. Lender is XXX |  |  |  |  |  |  | 2 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227307 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 4/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227182 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227182 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227182 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227182 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227182 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227182 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227182 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227182 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 10/XX/2007 | IN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227349 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227349 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227349 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227349 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227349 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227349 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227349 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $274,961.21 is underdisclosed from calculated Finance Charge of $279,717.93 in the amount of $4,756.72. | Unable to determine under disclosure.The Itemization of Amount Financed includes the Loan Discount that a work around was applied. |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227349 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Percent Testing | Note late charge exceeds maximum per state. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | B |  |  | Yes |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2004, prior to three (3) business days from transaction date of 03/XX/2004. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227006 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227714 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | MS | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227406 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2007. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227698 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227538 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | VA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227538 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2005 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227538 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2005 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227538 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227538 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227538 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227538 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227538 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227175 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227175 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227175 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227175 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227175 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227175 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $803,502.79 is underdisclosed from calculated Finance Charge of $803,586.18 in the amount of $83.39. | Unable to determine under disclosure due to missing breakdown of Itemization of Amount Financed charges |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227393 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227393 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227393 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227393 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227393 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227393 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227565 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227565 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227565 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227565 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227565 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227565 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $651,253.05 is underdisclosed from calculated Finance Charge of $651,300.63 in the amount of $47.58. | TIL itemization did not disclose a recording service fee of $46 as prepaid finance charge. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227076 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227076 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227076 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227076 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227076 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227076 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2007, prior to three (3) business days from transaction date of 09/XX/2007. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | North Carolina CHL Tangible Net Benefit Test | North Carolina Home Loan: Unable to determine if refinance loan was made without a tangible net benefit to borrower due to missing prior loan information. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227264 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | NC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227628 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227628 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227628 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227628 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227628 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $693,855.09 is underdisclosed from calculated Finance Charge of $726,930.57 in the amount of $33,075.48. | Payment stream on Final TIL doesn't match calculated. Index used by lender is 3.36%, but the only available index is 3.56%. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227628 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227628 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227173 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227173 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227173 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227101 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227101 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227101 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 11/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227101 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227101 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227101 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $485,638.79 is underdisclosed from calculated Finance Charge of $489,977.04 in the amount of $4,338.25. | Under disclosure is due to the lender utilizing an index value of 4.85% per the approval. The closest index value available in the lookback period is 4.9% but results in a higher payment for the final payment stream than was disclosed on the Final TIL. |  |  |  |  |  |  | 3 | 11/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227792 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | IL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227792 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227792 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 9/XX/2003 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227792 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 3.46900% is underdisclosed from calculated APR of 4.41344% outside of 0.125% tolerance. | Approval indicates the Index used was 1.358%. The disclosed payment streams using the only index available in the look back period of 1.3033% does not correspond with the loan amount, loan term, and interest rate changes on the loan. |  |  |  |  |  |  | 3 | 9/XX/2003 | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227792 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $103,635.38 is underdisclosed from calculated Finance Charge of $140,926.64 in the amount of $37,291.26. | Approval indicates the Index used was 1.358%. The disclosed payment streams using the only index available in the look back period of 1.3033% does not correspond with the loan amount, loan term, and interest rate changes on the loan. |  |  |  |  |  |  | 3 | 9/XX/2003 | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227792 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226943 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NV | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226943 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226943 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226794 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2004 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226794 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 4/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226794 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226794 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 4/XX/2004 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227582 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227582 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227582 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227582 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227582 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227582 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227582 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227582 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $454,578.43 is underdisclosed from calculated Finance Charge of $481,520.47 in the amount of $26,942.04. | Under disclosure is due to the lender utilizing an index value of 1.355% per the APR Fact Sheet. The closest index value available in the lookback period is 1.56333% but results in a higher payment for the final payment stream than was disclosed on the Final TIL. |  |  |  |  |  |  | 3 | 1/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227767 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227767 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Wisconsin Prepayment Penalty ARM Testing | Wisconsin Prepayment Penalty: Loan contains impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP Expired. Prepayment charge not allowed per state (WI) - max prepayment charge for WI ARM loan is 0% prior to 3/XX/06 - note states 2%, 2%,2%. Lender is XXX. |  |  |  |  |  |  | 2 | 6/XX/2003 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227767 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 6/XX/2003 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227767 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2003 | WI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227767 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227767 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 6/XX/2003 | WI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227767 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 6/XX/2003 | WI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227623 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227623 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227623 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227623 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $508,106.25 is underdisclosed from calculated Finance Charge of $529,554.35 in the amount of $21,448.10. | Under disclosure due to incorrect index used at origination of 4.318%. Lowest index available in look back period is 4.4825% |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227744 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227744 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227744 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227744 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227744 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $517,071.91 is underdisclosed from calculated Finance Charge of $519,068.64 in the amount of $1,996.73. | Payment stream on final TIL does not match calculated payment stream. Lender used original index of 5.266%, but the only index available is 5.3083%. |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227585 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227585 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 5.71700% is underdisclosed from calculated APR of 6.13630% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 2.7%% per the approval, however the lowest index value available in the lookback period is 2.28% |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227585 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $670,729.90 is underdisclosed from calculated Finance Charge of $753,762.09 in the amount of $83,032.19. | Under disclosure is due to the lender utilizing an index value of 2.7%% per the approval, however the lowest index value available in the lookback period is 2.28% |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227585 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227288 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227288 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227288 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $819,527.00 is underdisclosed from calculated Finance Charge of $837,992.74 in the amount of $18,465.74. | Under disclosure is due to the lender utilizing an index value of 3.06% per the approval, however the lowest index value available in the lookback period is 3.14% |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227029 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227029 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227029 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227029 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,080,541.19 is underdisclosed from calculated Finance Charge of $1,145,713.72 in the amount of $65,172.53. | Under disclosure is due to the lender utilizing an index value of 3.240 % per the Approval, however the only index value available in the look back period is 3.46%. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227029 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227125 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. | PPP Expired. No prepayment penalties are permissible in the state of New Jersey - note states 2% . Lender is XXX. |  |  |  |  |  |  | 2 | 1/XX/2008 | NJ | Investment | Refinance - Rate/Term | B |  |  | No |
| 2965227125 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | NJ | Investment | Refinance - Rate/Term | C |  |  | No |
| 2965227125 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NJ | Investment | Refinance - Rate/Term | B |  |  | No |
| 2965227760 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2004 | VA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227760 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227760 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227760 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227760 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $200,061.96 is underdisclosed from calculated Finance Charge of $203,603.66 in the amount of $3,541.70. | Under disclosure is due to the lender utilizing an index value of 1.950% per the Approval, however the only index value available in the lookback period is 1.970%. |  |  |  |  |  |  | 3 | 10/XX/2004 | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227760 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | VA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227600 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | OH | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227600 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Ohio Prepayment Penalty | Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 1% of the original balance. | PPP Expired. Loan contains an impermissible prepayment penalty of greater than 1% of the original balance - note state 3%, 2% 1%.. Lender is XXX. |  |  |  |  |  |  | 2 | 1/XX/2006 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227600 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | OH | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227600 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | OH | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227600 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227216 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227216 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227216 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227216 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227216 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227216 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $878,575.64 is underdisclosed from calculated Finance Charge of $878,775.67 in the amount of $200.03. | There is a Lender credit on line 219 for $250 which is not itemized therefore excluded. |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227271 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227271 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227432 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2003 | TX | Primary | Purchase | C |  |  | No |
| 2965227432 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965227432 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965227432 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965226800 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226800 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Percent Testing | Note late charge exceeds maximum per state. | Late charge of 5% exceeds max per State of 4% (NC) |  |  |  |  |  |  | 2 | 3/XX/2007 | NC | Primary | Refinance - Cash-out - Other | B |  |  | Yes |
| 2965226800 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 3/XX/2007 | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227434 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227686 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227686 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227730 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226860 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | AZ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226860 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2007, prior to three (3) business days from transaction date of 04/XX/2007. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | AZ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227477 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | PA | Primary | Purchase | C |  |  | No |
| 2965227477 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 12/XX/2005 | PA | Primary | Purchase | B |  |  | No |
| 2965227477 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | PA | Primary | Purchase | D |  |  | No |
| 2965227477 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | PA | Primary | Purchase | B |  |  | No |
| 2965227477 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | PA | Primary | Purchase | B |  |  | No |
| 2965227477 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | PA | Primary | Purchase | B |  |  | No |
| 2965227613 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 3/XX/2002 | CA | Primary | Construction-Permanent | B |  |  | No |
| 2965227613 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $216,097.74 is underdisclosed from calculated Finance Charge of $216,370.19 in the amount of $272.45. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 3/XX/2002 | CA | Primary | Construction-Permanent | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227613 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2002 | CA | Primary | Construction-Permanent | C |  |  | No |
| 2965227612 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227612 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227568 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227568 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 4/XX/2008 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227842 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227842 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227300 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227300 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227300 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227448 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227448 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227448 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226900 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227025 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227025 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227496 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227496 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. | PPP Expired. No prepayment penalties are permissible in the state of New Jersey - note states 2%. Lender is XXX. |  |  |  |  |  |  | 2 | 6/XX/2007 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227321 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | CA | Investment | Refinance - Cash-out - Home Improvement | C |  |  | No |
| 2965227321 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | CA | Investment | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227166 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226921 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 3/XX/2007 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226921 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227695 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227695 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227695 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227695 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227667 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227667 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227667 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227667 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,355,522.39 is underdisclosed from calculated Finance Charge of $1,361,741.29 in the amount of $6,218.90. | Payment stream from Final TIL does not match calculated payment stream. Lender used original index value of 4.650%, but the only index in the dropdown is 4.73%. |  |  |  |  |  |  | 3 | 1/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227483 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227483 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Maryland Prepayment Penalty Test | Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Prepayment penalty is expired. Prohibited per state (MD). |  |  |  |  |  |  | 2 | 11/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227483 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | MD | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227483 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | MD | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227400 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227400 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965226859 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226859 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226859 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226859 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $552,487.80 is underdisclosed from calculated Finance Charge of $577,055.08 in the amount of $24,567.28. | Payment stream from Final TIL does not match calculated. Lender used an Original Index Value of 3.460%. The only index available is 3.66%. |  |  |  |  |  |  | 3 | 4/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227591 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227591 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227591 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227591 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227591 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $461,513.36 is underdisclosed from calculated Finance Charge of $485,412.78 in the amount of $23,899.42. | Under disclosure is due to the lender utilizing an index value of 3.060% per the Approval, however the only index value available in the lookback period is 3.240%. |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227591 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226822 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | GA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226822 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226822 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226822 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226822 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226822 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $352,516.00 is underdisclosed from calculated Finance Charge of $370,105.76 in the amount of $17,589.76. | Under disclosure is due to the lender utilizing an index value of 3.06% per the approval, however the lowest index value available in the lookback period is 3.24%. |  |  |  |  |  |  | 3 | 12/XX/2005 | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227108 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227108 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227108 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227108 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227108 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $169,569.04 is underdisclosed from calculated Finance Charge of $175,786.27 in the amount of $6,217.23. | Under disclosure is due to the lender utilizing an index value of 2.610% per the Approval, however the only index value available in the look back period is 2.780%. |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227108 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226790 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | Late charge of 5% exceeds max late charge per State of 2% |  |  |  |  |  |  | 2 | 9/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $274,667.89 is underdisclosed from calculated Finance Charge of $286,968.14 in the amount of $12,300.25. | The only index used to run compliance was 2.89% and the index used at origination was 2.7%. |  |  |  |  |  |  | 3 | 9/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227831 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2003 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227831 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2003 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227831 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2003 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227831 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 7/XX/2003 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227831 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2003 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227717 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2002 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227717 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2002 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227717 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 7/XX/2002 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227717 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 7/XX/2002 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227717 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2002 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227202 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2001 | TX | Primary | Purchase | C |  |  | No |
| 2965227202 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $142,947.85 is underdisclosed from calculated Finance Charge of $145,124.56 in the amount of $2,176.71. | Unable to determine under disclosure due to incomplete breakdown of prepaid finance charges from Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 8/XX/2001 | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226953 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | AZ | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226953 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | AZ | Primary | Purchase | B |  |  | No |
| 2965226953 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | AZ | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226894 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | FL | Second Home | Purchase | B |  |  | No |
| 2965227256 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/10): Received Note | 09/10/2019 |  |  |  | 1 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2019/XX/10): Received Note | 09/10/2019 |  |  |  | 1 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | File contains the security instrument, HUD-1, Final Title, Final TIL, appraisal, GFE, Broker Application and numerous post-closing documents. |  | Reviewer Comment (2019/XX/10): Received Note | 09/10/2019 |  |  |  | 1 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | State Compliance | State Defect | District of Columbia Prepayment Penalty | District of Columbia Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227782 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | DC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227857 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227857 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227147 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227147 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $674,229.99 is underdisclosed from calculated Finance Charge of $674,440.76 in the amount of $210.77. | Prepaid finance charge disclosed was $928.33. Fees charges on final HUD equal $1139.10 resulting in the under disclosure |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227147 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227371 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227371 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227371 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227371 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227371 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227371 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227371 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $448,766.14 is underdisclosed from calculated Finance Charge of $466,702.90 in the amount of $17,936.76. | Under disclosure is due to the lender utilizing an index value of 3.94 % per the approval however the lowest index value available in the lookback period is 4.11%. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227096 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227096 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.10500% is underdisclosed from calculated APR of 7.40880% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.790 % per the Approval, however the only index value available in the look back period is 4.110%. |  |  |  |  |  |  | 3 | 7/XX/2006 | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227096 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $231,998.67 is underdisclosed from calculated Finance Charge of $251,139.23 in the amount of $19,140.56. | Under disclosure is due to the lender utilizing an index value of 3.790 % per the Approval, however the only index value available in the look back period is 4.110%. |  |  |  |  |  |  | 3 | 7/XX/2006 | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227822 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.96800% is underdisclosed from calculated APR of 7.45383% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.66% per the Approval. The closest index value available in the lookback period is 4.11% but results in a higher payment for the final payment stream than was disclosed on the Final TIL. |  |  |  |  |  |  | 3 | 7/XX/2006 | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227822 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $349,356.68 is underdisclosed from calculated Finance Charge of $391,132.98 in the amount of $41,776.30. | Under disclosure is due to the lender utilizing an index value of 3.66% per the Approval. The closest index value available in the lookback period is 4.11% but results in a higher payment for the final payment stream than was disclosed on the Final TIL. |  |  |  |  |  |  | 3 | 7/XX/2006 | WA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227067 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227067 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227067 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227067 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $258,385.05 is underdisclosed from calculated Finance Charge of $264,117.58 in the amount of $5,732.53. | Under disclosure due to incorrect index used at origination of 3.36%. Lowest index available in look back period is 3.46% |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227356 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | WI | Primary | Purchase | B |  |  | No |
| 2965227356 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Wisconsin Prepayment Penalty ARM Testing | Wisconsin Prepayment Penalty: Loan contains impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Prepayment penalty expired. Prohibited per state (WI). |  |  |  |  |  |  | 2 | 2/XX/2006 | WI | Primary | Purchase | B |  |  | No |
| 2965227356 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | WI | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227356 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | WI | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227356 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $268,511.39 is underdisclosed from calculated Finance Charge of $284,250.45 in the amount of $15,739.06. | Under disclosure is due to the lender utilizing an index value of 3.240 % per the Approval, however the only index value available in the look back period is 3.46%. |  |  |  |  |  |  | 3 | 2/XX/2006 | WI | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226835 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2004 | FL | Primary | Purchase | C |  |  | No |
| 2965226835 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $213,972.22 is underdisclosed from calculated Finance Charge of $217,901.72 in the amount of $3,929.50. | Under disclosure is due to the lender utilizing an index value of 1.88% per the approval, however the lowest index value available in the lookback period is 1.94% |  |  |  |  |  |  | 3 | 9/XX/2004 | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226799 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2004 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226799 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 7/XX/2004 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226799 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226799 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227359 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2002 | NH | Primary | Purchase | C |  |  | No |
| 2965227359 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Insurance | Insurance Eligibility | Insurance | MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD. |  |  |  |  |  |  |  |  | 3 | 6/XX/2002 | NH | Primary | Purchase | C |  |  | No |
| 2965227359 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/02 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2002 | NH | Primary | Purchase | B |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/10): Received note | 09/10/2019 |  |  |  | 1 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2019/XX/10): Received note | 09/10/2019 |  |  |  | 1 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | File contains a final 1003, approval, HUD, Flood certificate, Security Instrument, Final TIL and Final Title. |  | Reviewer Comment (2019/XX/10): Received note | 09/10/2019 |  |  |  | 1 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/02 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227649 | XXX | XXX | XXX | XXX | 09/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $206,208.18 is underdisclosed from calculated Finance Charge of $208,192.56 in the amount of $1,984.38. | Application/Commitment Recap indicates the Index used was 3.15%. The disclosed payment streams using the only index available in the look back period of 3.04% does not correspond with the loan amount, loan term, and interest rate changes on the loan. |  |  |  |  |  |  | 3 | 3/XX/2002 | IL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227080 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | TN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227080 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227080 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227080 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227080 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227080 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227080 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Tennessee Prepayment Penalty Test | Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227080 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $265,478.43 is underdisclosed from calculated Finance Charge of $265,542.70 in the amount of $64.27. | TIL itemization did not disclose an recording service fee of $63 as prepaid finance charge. |  |  |  |  |  |  | 3 | 11/XX/2006 | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227572 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227572 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227572 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227572 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Prepayment penalty is expired. Prepayment penalty is within 6 months interest on amount prepaid in excess of 20% of OPB per state (CA). |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227572 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227731 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | TN | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227731 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227731 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227731 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2007, prior to three (3) business days from transaction date of 11/XX/2007. |  |  |  |  |  |  |  | 3 | 11/XX/2007 | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227731 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Cross Collateralized | Cross Collateralized Mortgage Loan | There are multiple properties securing the repayment of this loan. (Cross collateralized) The property evaluated for the compliance review is based on occupancy type and then based on the property with the highest value. | There are 2 parcels securing the mortgage. One is theborrower's primary residence and the other is an unimproved parcel. |  |  |  |  |  |  | 2 | 11/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227731 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227731 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227731 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 11/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227731 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 11/XX/2007 | TN | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227675 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227675 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227675 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Ohio Alternate Prepayment Penalty SMLA Test | Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty which allows for a prepayment penalty on a refinance by the same lender. (applies only to Second Mortgage Loan Act registrants) |  |  |  |  |  |  |  | 2 | 4/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227675 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227675 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2004, prior to three (3) business days from transaction date of 04/XX/2004. |  |  |  |  |  |  |  | 3 | 4/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227675 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227675 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226878 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226878 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226878 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226878 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226878 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227285 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227285 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227285 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Missing | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227285 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227285 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227285 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227285 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Late Charge | California Primary Residence Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227285 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227285 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227285 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226815 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965226815 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965226815 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227282 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227282 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227282 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227282 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227282 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227282 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227282 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227282 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227282 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227756 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227756 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Missing | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227756 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing |  |  |  |  |  |  |  | 2 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | Yes |
| 2965227756 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227756 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227756 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2004, prior to three (3) business days from transaction date of 06/XX/2004. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227756 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227756 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Late Charge | California Primary Residence Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227254 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227254 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: Days before settlement not provided. | GFE Date: XX/XX/XXXX |  |  |  |  |  |  |  | 2 | 3/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227254 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227254 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227254 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227254 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227254 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227254 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227254 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/13 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  | 3 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227754 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 5/XX/2013 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226858 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226858 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226858 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226858 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226858 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226858 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227003 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227003 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227003 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227003 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227003 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227164 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | PA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227164 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227164 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227164 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227164 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227164 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 9/XX/2006 | PA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2007. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227774 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $556,181.47 is underdisclosed from calculated Finance Charge of $559,970.77 in the amount of $3,789.30. | TIL itemization did not disclose a Lien protection fee of $120 or a recording service fee of $15 as prepaid finance charge. Underdisclosure due to daily simple monthly payment calculation. |  |  |  |  |  |  | 3 | 12/XX/2007 | VA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227088 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2008 | PA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227088 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 5/XX/2008 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227088 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2008 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227088 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 5/XX/2008 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227088 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227088 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227088 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227088 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 5/XX/2008 | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227088 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008. |  |  |  |  |  |  |  | 3 | 5/XX/2008 | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/10 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | Unable to test GFE Estimate Available Through Date due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227543 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  | 2 | 10/XX/2010 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227110 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227110 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227110 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Percent Testing | Note late charge exceeds maximum per state. | 5% late charge exceeds 3% per state (MA) |  |  |  |  |  |  | 2 | 8/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227672 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227672 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227672 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227672 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227672 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227284 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227284 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227284 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227284 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227284 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227284 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227241 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 4/XX/2005 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227241 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227241 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | SC | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227241 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $358,001.51 is underdisclosed from calculated Finance Charge of $359,454.67 in the amount of $1,453.16. | Unable to determine index lender utilized for look back period |  |  |  |  |  |  | 3 | 4/XX/2005 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227241 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227241 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | SC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227241 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227241 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227241 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227241 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227502 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227502 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227502 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227502 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227502 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227502 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227502 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227502 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 8/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227502 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227815 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227815 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227815 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227815 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227815 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227815 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226946 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226946 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226946 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226946 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226946 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226946 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2007, prior to three (3) business days from transaction date of 03/XX/2007. |  |  |  |  |  |  |  | 3 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227616 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227616 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227616 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227616 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227616 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227616 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227616 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227616 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227616 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227398 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227398 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227398 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227398 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227398 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2007, prior to three (3) business days from transaction date of 12/XX/2008. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227398 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227398 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227398 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227398 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227372 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227372 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227372 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227372 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227372 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227372 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2008, prior to three (3) business days from transaction date of 07/XX/2008. |  |  |  |  |  |  |  | 3 | 7/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227372 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227372 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 7/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227372 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 7/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227262 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2004 | MO | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227262 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227262 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227262 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | MO | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227262 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | MO | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227262 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2004, prior to three (3) business days from transaction date of 03/XX/2004. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | MO | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227391 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2008 | NM | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227391 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 11/XX/2008 | NM | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227391 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2008 | NM | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227391 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2008 | NM | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227391 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2008 | NM | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227391 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2008, prior to three (3) business days from transaction date of 11/XX/2008. |  |  |  |  |  |  |  | 3 | 11/XX/2008 | NM | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226872 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226872 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 4/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226872 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226872 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226977 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | LA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226977 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 4/XX/2005 | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226977 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226977 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | LA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226977 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2005, prior to three (3) business days from transaction date of 04/XX/2005. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | LA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227412 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227412 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227412 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227412 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227412 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2006, prior to three (3) business days from transaction date of 04/XX/2006. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227412 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227790 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of xX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227790 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226901 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226901 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226901 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226901 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226901 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226901 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226901 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227141 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $201,704.04 is underdisclosed from calculated Finance Charge of $202,153.55 in the amount of $449.51. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 4/XX/2001 | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227530 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227530 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227530 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227530 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Tennessee Prepayment Penalty Test | Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227596 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227596 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227596 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227596 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227596 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227596 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227587 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Document: HUD-1 Addendum not provided |  | Line 1114 references "exhibit B' for $135 in fees but the exhibit is not in the file. |  |  |  |  |  |  | 3 | 4/XX/2008 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227587 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227587 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227287 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227287 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $335,294.92 is underdisclosed from calculated Finance Charge of $336,113.31 in the amount of $818.39. | Unable to determine under disclosure due to missing itemization of amount financed |  |  |  |  |  |  | 3 | 10/XX/2004 | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227287 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | PA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227859 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227859 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227859 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227511 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227511 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227511 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227102 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | WA | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 2965227796 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | OH | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227796 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Ohio Standard Prepayment Penalty SMLA | Ohio Prepayment Penalty: Prepayment penalty not permissible on a refinance. (applies only to Second Mortgage Loan Act registrants) | PPP Expired. Prepayment charge allowed per state {OH) - prepayment charge is allowed on a reginance if NOT by the original or assigned lender- note states 1% within the first 3 years. Lender is XXX. |  |  |  |  |  |  | 2 | 7/XX/2005 | OH | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227747 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2005 | LA | Primary | Purchase | B |  |  | No |
| 2965227747 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2005 | LA | Primary | Purchase | B |  |  | No |
| 2965227747 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | LA | Primary | Purchase | B |  |  | No |
| 2965227747 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | LA | Primary | Purchase | B |  |  | No |
| 2965227747 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | LA | Primary | Purchase | B |  |  | No |
| 2965227747 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Louisiana Prepayment Penalty | Louisiana Prepayment Penalty (Residential Mortgage Lending Act): Loan contains impermissible prepayment penalty greater than 5% in year 1, 4% in year 2, 3% in year 3, 2% in year 4, or 1% in year 5; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Prepayment penalty is expired. 6 months interest o n the amount prepaid greater than 20% of the original principal amount exceeds 5%, 4%, 3% per state (LA). |  |  |  |  |  |  | 2 | 1/XX/2005 | LA | Primary | Purchase | B |  |  | No |
| 2965227747 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | LA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227747 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | LA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227461 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | TX | Primary | Purchase | C |  |  | No |
| 2965227461 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227461 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227461 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227461 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227247 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CO | Primary | Purchase | B |  |  | No |
| 2965227286 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227286 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227286 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227811 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 11/XX/2002 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227811 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $496,534.30 is underdisclosed from calculated Finance Charge of $496,597.36 in the amount of $63.06. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 11/XX/2002 | MA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227811 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Prepayment Penalty | Massachusetts Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 11/XX/2002 | MA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227778 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | MN | Primary | Purchase | B |  |  | No |
| 2965227800 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227120 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | Maryland Prepayment Penalty Test | Maryland Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 2 months interest calculated on 2/3 of the original balance. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227120 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227120 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227120 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227120 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227403 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227403 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227403 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227403 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227403 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227403 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227251 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2004 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227251 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227251 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $400,414.81 is underdisclosed from calculated Finance Charge of $412,924.09 in the amount of $12,509.28. | Under disclosure is due to the lender utilizing an index value of 1.97% per the Approval, however the lowest index value available in the lookback period is 2.00%. |  |  |  |  |  |  | 3 | 12/XX/2004 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226963 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/02 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226963 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226963 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226963 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965226963 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226963 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226963 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 1/XX/2003 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227319 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227319 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227319 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227319 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227319 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $599,654.28 is underdisclosed from calculated Finance Charge of $633,429.50 in the amount of $33,775.22. | Under disclosure is due to the lender utilizing an index value of 1.96% per the Loan Approval, however the lowest index value available in the lookback period is 2.39%. |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227183 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227183 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227183 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227183 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227183 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $445,722.20 is underdisclosed from calculated Finance Charge of $456,824.76 in the amount of $11,102.56. | Under disclosure due to incorrect index used at origination of 2.39%, lowest index available in look back period is %2.7 |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227771 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227771 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227771 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227771 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227495 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227495 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227495 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227495 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227495 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $495,238.89 is underdisclosed from calculated Finance Charge of $517,102.23 in the amount of $21,863.34. | Under disclosure is due to the lender utilizing an index value of 2.332% per the Approval, however the only index value available in the lookback period is 2.49167%. |  |  |  |  |  |  | 3 | 7/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226997 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226997 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226997 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226997 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.28900% is underdisclosed from calculated APR of 6.56837% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 2.61% per the approval, however the lowest index value available in the lookback period is 2.89% |  |  |  |  |  |  | 3 | 8/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226997 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $468,364.20 is underdisclosed from calculated Finance Charge of $505,414.97 in the amount of $37,050.77. | Under disclosed due to the lender utilizing an index value of 2.61% per approval, however the lowest index available in lookback period is 2.89%. |  |  |  |  |  |  | 3 | 8/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226997 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227331 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2005 | CA | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227331 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965226981 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226981 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226981 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | FL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226981 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $253,608.18 is underdisclosed from calculated Finance Charge of $268,603.86 in the amount of $14,995.68. | Under disclosure is due to the lender utilizing an index value of 3.140 % per the Approval, however the only index value available in the look back period is 3.36%. |  |  |  |  |  |  | 3 | 1/XX/2006 | FL | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226981 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2006 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227111 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | RI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227111 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227111 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227111 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $271,691.74 is underdisclosed from calculated Finance Charge of $287,727.99 in the amount of $16,036.25. | Under disclosure due to the lender utilizing an index value of 3.14% per the approval, however the lowest index available in lookback period is 3.36%. |  |  |  |  |  |  | 3 | 1/XX/2006 | RI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226965 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965226965 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965226965 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. | Prepayment penalty is expired. Prepayment penalty does not allow prepayment within 90 days of notification of rate increase as required per state (CA), |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965226965 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226965 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226965 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,003,538.34 is underdisclosed from calculated Finance Charge of $1,062,127.14 in the amount of $58,588.80. | Payment stream on Final TIL does not match calculated. Lender used an original index value of 3.240%, but the only index value available is 3.46%. |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226965 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965226965 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227723 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Purchase | C |  |  | No |
| 2965227723 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227723 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227723 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227723 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227723 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227723 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,212,421.83 is underdisclosed from calculated Finance Charge of $1,243,710.54 in the amount of $31,288.71. | Under disclosure due to incorrect index of 3.36% used at origination. Lowest index available in lookback period is 3.46% |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227233 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227233 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227233 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227233 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227233 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227233 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227233 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $357,190.72 is underdisclosed from calculated Finance Charge of $366,321.77 in the amount of $9,131.05. | Payment stream on final TIL doesn't match calculated payment stream. Lender used an original index value of 3.360%. The only index available is 3.460%. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227233 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227423 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227423 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227423 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227423 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227423 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227423 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227423 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227423 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,090,537.54 is underdisclosed from calculated Finance Charge of $1,151,066.04 in the amount of $60,528.50. | Under disclosure is due to the lender utilizing an index value of 3.360 % per the Approval, however the only index value available in the look back period is 3.56%. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227423 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227739 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227739 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227739 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227739 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227739 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227739 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227739 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $563,907.78 is underdisclosed from calculated Finance Charge of $582,441.83 in the amount of $18,534.05. | Under disclosure appears to be due to incorrect index used at origination of 3.66%, only index available in the look back period is 3.79% |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226842 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226842 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226842 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226842 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.35700% is underdisclosed from calculated APR of 7.89299% outside of 0.125% tolerance. | Under disclosure is due to payment stream on Final TIL not matching calculated payment stream. Per the Approval, Lender used an original index value of 3.79%, published on 6/XX/2006. The only index value available is 4.34%, published on 8/XX/2006 |  |  |  |  |  |  | 3 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226842 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $505,782.37 is underdisclosed from calculated Finance Charge of $568,967.63 in the amount of $63,185.26. | Under disclosure is due to payment stream on Final TIL not matching calculated payment stream. Per the Approval, Lender used an original index value of 3.79%, published on 6/XX/2006. The only index value available is 4.34%, published on 8/XX/2006 |  |  |  |  |  |  | 3 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226842 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226842 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227836 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227836 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227836 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227836 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226982 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226982 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226982 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226982 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226982 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226984 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227533 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227533 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227533 | XXX | XXX | XXX | XXX | 08/19/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 12/XX/2007 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226854 | XXX | XXX | XXX | XXX | 08/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227200 | XXX | XXX | XXX | XXX | 10/06/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2008 | CA | UTD | Refinance - Cash-out - Other | C |  |  | No |
| 2965227200 | XXX | XXX | XXX | XXX | 10/06/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 2/XX/2008 | CA | UTD | Refinance - Cash-out - Other | C |  |  | No |
| 2965227200 | XXX | XXX | XXX | XXX | 10/06/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2965227200 | XXX | XXX | XXX | XXX | 10/06/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 2/XX/2008 | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2965227200 | XXX | XXX | XXX | XXX | 10/06/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 2/XX/2008 | CA | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227200 | XXX | XXX | XXX | XXX | 10/06/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | RTC is missing from file |  |  |  |  |  |  | 3 | 2/XX/2008 | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2965227200 | XXX | XXX | XXX | XXX | 10/06/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 2/XX/2008 | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2965227200 | XXX | XXX | XXX | XXX | 10/09/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/07. |  |  |  |  |  |  |  | 2 | 2/XX/2008 | CA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2965227054 | XXX | XXX | XXX | XXX | 10/20/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | NJ | Second Home | Refinance - Cash-out - Other | C |  |  | No |
| 2965227054 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | NJ | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 2965227054 | XXX | XXX | XXX | XXX | 10/20/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 3/XX/2006 | NJ | Second Home | Refinance - Cash-out - Other | C |  |  | No |
| 2965227054 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | NJ | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 2965227054 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/28): Exception changed to one with fees. | 08/28/2019 |  |  |  | 1 | 3/XX/2006 | NJ | Second Home | Refinance - Cash-out - Other | A |  |  | No |
| 2965227054 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  | Reviewer Comment (2019/XX/28): Evidence of no fees paid by borrower per HELOC Agreement. Exception cleared. | 08/28/2019 |  |  |  | 1 | 3/XX/2006 | NJ | Second Home | Refinance - Cash-out - Other | A |  |  | No |
| 2965227054 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Reviewer Comment (2019/XX/28): Exception no longer valid. | 08/28/2019 |  |  |  | 1 | 3/XX/2006 | NJ | Second Home | Refinance - Cash-out - Other | A |  |  | No |
| 2965227054 | XXX | XXX | XXX | XXX | 08/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | NJ | Second Home | Refinance - Cash-out - Other | B |  |  | No |
| 2965227742 | XXX | XXX | XXX | XXX | 10/13/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2004 | NY | Primary | Refinance - UTD | C |  |  | No |
| 2965227742 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2004 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227742 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2004 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227742 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227742 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227742 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227742 | XXX | XXX | XXX | XXX | 10/13/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 1/XX/2004 | NY | Primary | Refinance - UTD | C |  |  | No |
| 2965227742 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227742 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/03. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227742 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2004, prior to three (3) business days from transaction date of 01/XX/2004. |  |  |  |  |  |  |  | 3 | 1/XX/2004 | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227696 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227696 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227696 | XXX | XXX | XXX | XXX | 09/30/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227696 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227388 | XXX | XXX | XXX | XXX | 10/06/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227388 | XXX | XXX | XXX | XXX | 10/06/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227388 | XXX | XXX | XXX | XXX | 10/06/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | OK | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227388 | XXX | XXX | XXX | XXX | 10/06/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227388 | XXX | XXX | XXX | XXX | 10/06/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2005 | OK | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227537 | XXX | XXX | XXX | XXX | 10/13/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2002 | GA | Primary | Purchase | C |  |  | No |
| 2965227537 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 09/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2002 | GA | Primary | Purchase | B |  |  | No |
| 2965227537 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/05): Missing Final HUD-1. HUD-1 provided is missing the second page with the seller and buyers fees. Exception remains for Missing Final HUD-1.<br>Seller Comment (2019/XX/05): We have attached the fully executed Final HUD for your review. Supporting documents have been uploaded as 20420772_Compliance Documents.<br>Reviewer Comment (2018/XX/15): Client provided HUD-1 but it is missing the 2nd page with all fees. Cannot complete testing. Exception remains. |  |  |  |  | 3 | 9/XX/2002 | GA | Primary | Purchase | D |  |  | No |
| 2965227826 | XXX | XXX | XXX | XXX | 10/20/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227826 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227826 | XXX | XXX | XXX | XXX | 10/20/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227826 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227826 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227826 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227826 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227826 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/02. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  | Reviewer Comment (2019/XX/04): HELOC note discloses no fees. Exception cleared.<br>Seller Comment (2019/XX/04): The issue cited has either been resolved or was determined to not be an exception as noted. File documentation included the XXX Equity Maximizer Agreement & Disclosure dated 01/XX/2008, which did not identify any specific fees due at loan closing. This is evidenced by the document identified as Disbursement Instructions dated 01/XX/2008 in which neither document reflected any fees or charges on this loan. Supporting documents have been uploaded as XXX #XXX_Compliance Documents | 09/04/2019 |  |  |  | 1 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/07. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/04): HELOC note discloses no fees. Exception cleared. | 09/04/2019 |  |  |  | 1 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Open End Late Charge Grace Period Testing | Note grace period less than minimum per state. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Open End Late Charge Percent and Amount Testing | Note late charge exceeds maximum per state. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | Right to Cancel is missing. |  |  |  |  |  |  | 3 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 10/20/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227446 | XXX | XXX | XXX | XXX | 09/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227728 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227856 | XXX | XXX | XXX | XXX | 10/23/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227856 | XXX | XXX | XXX | XXX | 10/23/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CO | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227856 | XXX | XXX | XXX | XXX | 10/23/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CO | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227280 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227280 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227280 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227781 | XXX | XXX | XXX | XXX | 11/05/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2004 | NJ | Primary | Purchase | C |  |  | No |
| 2965227781 | XXX | XXX | XXX | XXX | 11/05/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/04. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | NJ | Primary | Purchase | B |  |  | No |
| 2965227781 | XXX | XXX | XXX | XXX | 11/05/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | NJ | Primary | Purchase | B |  |  | No |
| 2965227781 | XXX | XXX | XXX | XXX | 11/05/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 9/XX/2004 | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227781 | XXX | XXX | XXX | XXX | 11/05/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 9/XX/2004 | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227228 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227228 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227228 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227228 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227228 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227866 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | MI | Primary | Purchase | B |  |  | No |
| 2965227866 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227866 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 11/05/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/1999 | AR | Primary | Purchase | C |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 11/05/2018 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/19): Received Note, exception cleared.<br>Seller Comment (2019/XX/19): The issue cited has either been resolved or was determined to not be an exception as noted. The missing documents have been located, and has been uploaded as XXX#XXX_Compliance Documents.<br>Reviewer Comment (2019/XX/05): Lost Note Affidavit provided. Missing subject lien Note/HELOC Agreement. Exception remains.<br>Seller Comment (2019/XX/05): The loan file contains an Affidavit of Lost Note dated 01/XX/1999 for $XXX and a Mortgage dated 01/XX/1999. Supporting documents have been uploaded as:XXX#XXX_Compliance Documents | 09/19/2019 |  |  |  | 1 | 1/XX/1999 | AR | Primary | Purchase | A |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 11/05/2018 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | File only contains Mortgage. Compliance testing not completed. |  | Reviewer Comment (2019/XX/19): Received Note and HUD, exception cleared | 09/19/2019 |  |  |  | 1 | 1/XX/1999 | AR | Primary | Purchase | A |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 11/05/2018 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  |  |  |  | 2 | 1/XX/1999 | AR | Primary | Purchase | B |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 11/05/2018 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2019/XX/19): Received Final HUD-1, exception cleared.<br>Seller Comment (2019/XX/19): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located, and has been uploaded as XXX#XXX_Compliance Documents.<br>Seller Comment (2019/XX/19): The missing document has been located, and has been uploaded | 09/19/2019 |  |  |  | 1 | 1/XX/1999 | AR | Primary | Purchase | A |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 11/05/2018 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing |  |  |  | Reviewer Comment (2019/XX/19): Unable to clear exception with documentation that was provided. TIL received was the initial TIL. |  |  |  |  | 3 | 1/XX/1999 | AR | Primary | Purchase | B |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 11/05/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/1999 | AR | Primary | Purchase | B |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 11/05/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 1/XX/1999 | AR | Primary | Purchase | C |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 09/19/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/98 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/1999 | AR | Primary | Purchase | B |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 09/19/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  | Reviewer Comment (2019/XX/19): SFR per BPO in file | 09/19/2019 |  |  |  | 1 | 1/XX/1999 | AR | Primary | Purchase | A |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 09/19/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/19): Unable to clear exception with documentation that was provided. TIL received was the initial TIL. |  |  |  |  | 3 | 1/XX/1999 | AR | Primary | Purchase | B |  |  | No |
| 2965227867 | XXX | XXX | XXX | XXX | 09/19/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/1999 | AR | Primary | Purchase | B |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/03. |  |  |  |  |  |  |  | 2 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | "File does not contain either Preliminary or Final Title". |  |  |  |  |  |  | 3 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227512 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2003 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227722 | XXX | XXX | XXX | XXX | 11/14/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2001 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227722 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2001 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227722 | XXX | XXX | XXX | XXX | 11/14/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Due On Sale Clause, Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Holder's right to foreclose |  |  |  |  |  |  |  | 2 | 6/XX/2001 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227722 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2001 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227722 | XXX | XXX | XXX | XXX | 11/14/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 6/XX/2001 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227722 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2001 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227722 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/01 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/00. |  |  |  |  |  |  |  | 2 | 6/XX/2001 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227722 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $262,763.00 is underdisclosed from calculated Finance Charge of $264,925.87 in the amount of $2,162.87. | Disclosed payment on Note does not correspond with the loan amount, loan term, and interest rate on the loan. |  |  |  |  |  |  | 3 | 6/XX/2001 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227722 | XXX | XXX | XXX | XXX | 11/14/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2001 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227193 | XXX | XXX | XXX | XXX | 01/11/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2019/XX/05): Still missing borrower signed final 1003. Exception remains.<br>Seller Comment (2019/XX/05): XXX has confirmed the loan file was processed and approved utilizing a XXX Class Application File Report (CAFR). The CAFR includes information regarding the Final 1003, Final HUD-1 and Final Title Report. |  |  |  |  | 3 | 3/XX/2001 | NM | UTD | UTD - UTD | C |  |  | No |
| 2965227193 | XXX | XXX | XXX | XXX | 01/11/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2001 | NM | UTD | UTD - UTD | B |  |  | No |
| 2965227193 | XXX | XXX | XXX | XXX | 01/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2001 | NM | UTD | UTD - UTD | B |  |  | No |
| 2965227193 | XXX | XXX | XXX | XXX | 01/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 3/XX/2001 | NM | UTD | UTD - UTD | B |  |  | No |
| 2965227193 | XXX | XXX | XXX | XXX | 01/11/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  | Reviewer Comment (2019/XX/05): CAFR is not acceptable substitute for final title policy. Exception remains.<br>Seller Comment (2019/XX/05): XXX has confirmed the loan file was processed and approved utilizing a XXX Class Application File Report (CAFR). The CAFR includes information regarding the Final 1003, Final HUD-1 and Final Title Report. |  |  |  |  | 3 | 3/XX/2001 | NM | UTD | UTD - UTD | C |  |  | No |
| 2965227193 | XXX | XXX | XXX | XXX | 01/11/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2001 | NM | UTD | UTD - UTD | B |  |  | No |
| 2965227193 | XXX | XXX | XXX | XXX | 01/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/21): Final HUD-1 provided. Exception cleared.<br>Reviewer Comment (2019/XX/05): CAFR is not acceptable substitute for final HUD-1. Exception remains.<br>Seller Comment (2019/XX/05): XXX has confirmed the loan file was processed and approved utilizing a XXX Class Application File Report (CAFR). The CAFR includes information regarding the Final 1003, Final HUD-1 and Final Title Report. | 07/21/2019 |  |  |  | 1 | 3/XX/2001 | NM | UTD | UTD - UTD | A |  |  | No |
| 2965227193 | XXX | XXX | XXX | XXX | 01/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/01 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2000. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/21): Replaced with exception with fees. | 07/21/2019 |  |  |  | 1 | 3/XX/2001 | NM | UTD | UTD - UTD | A |  |  | No |
| 2965227193 | XXX | XXX | XXX | XXX | 01/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2001 | NM | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227193 | XXX | XXX | XXX | XXX | 07/21/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/01 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/00. |  |  |  |  |  |  |  | 2 | 3/XX/2001 | NM | UTD | UTD - UTD | B |  |  | No |
| 2965226828 | XXX | XXX | XXX | XXX | 01/06/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/1999 | NC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226828 | XXX | XXX | XXX | XXX | 01/06/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 12/XX/1999 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226828 | XXX | XXX | XXX | XXX | 01/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/99 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/99. |  |  |  |  |  |  |  | 2 | 12/XX/1999 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226823 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2000 | FL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226823 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 5/XX/2000 | FL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226823 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2000 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226823 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/00 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2000 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226823 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 5/XX/2000 | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227862 | XXX | XXX | XXX | XXX | 07/10/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | NJ | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227862 | XXX | XXX | XXX | XXX | 07/10/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NJ | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227862 | XXX | XXX | XXX | XXX | 07/10/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 3/XX/2007 | NJ | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227862 | XXX | XXX | XXX | XXX | 07/10/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NJ | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227862 | XXX | XXX | XXX | XXX | 07/10/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NJ | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227176 | XXX | XXX | XXX | XXX | 01/03/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 11/XX/2006 | SC | Primary | Purchase | B |  |  | No |
| 2965227176 | XXX | XXX | XXX | XXX | 01/03/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | SC | Primary | Purchase | B |  |  | No |
| 2965227176 | XXX | XXX | XXX | XXX | 01/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | SC | Primary | Purchase | B |  |  | No |
| 2965227176 | XXX | XXX | XXX | XXX | 01/03/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | SC | Primary | Purchase | B |  |  | No |
| 2965227176 | XXX | XXX | XXX | XXX | 01/03/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 11/XX/2006 | SC | Primary | Purchase | B |  |  | No |
| 2965227258 | XXX | XXX | XXX | XXX | 01/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/04. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227258 | XXX | XXX | XXX | XXX | 01/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227258 | XXX | XXX | XXX | XXX | 01/06/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 9/XX/2004 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227258 | XXX | XXX | XXX | XXX | 01/06/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 9/XX/2004 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227258 | XXX | XXX | XXX | XXX | 01/06/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/08): Received Final HUD, Exception cleared.<br>Reviewer Comment (2019/XX/23): Agree that borrower is not required to sign but we do require either certified stamp or signature of settlement agent, neither of which is present. Exception remains.<br>Seller Comment (2019/XX/23): The final HUD-1 was located in the loan file. Please take note that it is common practice for loans funded in a dry funding state, such as California where the subject loan was funded, not to have signatures or a certified stamp. Loans in the above mentioned state are allowed to be funded prior to the disbursement of funds and without the borrower(s) being present to sign documents. However, the HUD-1 must reflect that it is "Final", which it does. | 03/08/2019 |  |  |  | 1 | 9/XX/2004 | CA | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227766 | XXX | XXX | XXX | XXX | 05/20/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227766 | XXX | XXX | XXX | XXX | 05/20/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | Appraisal is not provided. |  |  |  |  |  |  | 2 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227766 | XXX | XXX | XXX | XXX | 05/20/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227766 | XXX | XXX | XXX | XXX | 05/20/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227766 | XXX | XXX | XXX | XXX | 05/20/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/02. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227766 | XXX | XXX | XXX | XXX | 05/20/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227766 | XXX | XXX | XXX | XXX | 05/20/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226864 | XXX | XXX | XXX | XXX | 02/06/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2005 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226864 | XXX | XXX | XXX | XXX | 02/06/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 5/XX/2005 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226864 | XXX | XXX | XXX | XXX | 02/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226864 | XXX | XXX | XXX | XXX | 02/06/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  | Reviewer Comment (2019/XX/03): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.<br>Seller Comment (2019/XX/03): Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 6%. This equates to an initial rate of 6%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 6%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 6%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose. |  |  |  |  | 3 | 5/XX/2005 | FL | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965226864 | XXX | XXX | XXX | XXX | 02/06/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226864 | XXX | XXX | XXX | XXX | 02/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/04. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226864 | XXX | XXX | XXX | XXX | 02/06/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226864 | XXX | XXX | XXX | XXX | 02/06/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226864 | XXX | XXX | XXX | XXX | 02/06/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227689 | XXX | XXX | XXX | XXX | 01/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. The disclosure was signed and dated at closing |  |  |  |  |  |  | 2 | 12/XX/2006 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227558 | XXX | XXX | XXX | XXX | 05/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | MD | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227558 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | State Compliance | State Late Charge | Maryland Late Charge Grace Period Testing | Note grace period less than minimum per state. | 10 day grace period is less than 15 day minimum per state (MD). |  |  |  |  |  |  | 2 | 8/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227558 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227558 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227558 | XXX | XXX | XXX | XXX | 05/12/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either preliminary or final |  |  |  |  |  |  | 3 | 8/XX/2006 | MD | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227558 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227558 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | State Compliance | State Late Charge | Maryland Late Charge Percent and Amount Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226879 | XXX | XXX | XXX | XXX | 05/20/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2004 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226879 | XXX | XXX | XXX | XXX | 05/20/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226879 | XXX | XXX | XXX | XXX | 05/20/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 10/XX/2004 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226879 | XXX | XXX | XXX | XXX | 05/20/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226879 | XXX | XXX | XXX | XXX | 05/20/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226879 | XXX | XXX | XXX | XXX | 05/20/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/04. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227268 | XXX | XXX | XXX | XXX | 05/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | NV | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227268 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227268 | XXX | XXX | XXX | XXX | 05/12/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 11/XX/2006 | NV | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227268 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227268 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227268 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227268 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227268 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227268 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $34,585.51 is underdisclosed from calculated Finance Charge of $34,713.37 in the amount of $127.86. | Unable to resolve source of under disclosure due to missing TIL itemization |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227027 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | 4% late charge exceeds the 2% maximum per state - NY. |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not<br> signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227038 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2007, prior to three (3) business days from transaction date of 06/XX/2009. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227693 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227874 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | IL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227874 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2006 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227874 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227874 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227874 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227874 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2006, prior to three (3) business days from transaction date of 10/XX/2006. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227180 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2001 | GA | Primary | Refinance - UTD | C |  |  | No |
| 2965227180 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2001 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965227180 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/2001 | GA | Primary | Refinance - UTD | D |  |  | No |
| 2965227180 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/01 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/01. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 10/XX/2001 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965227180 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2001 | GA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227180 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2001 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965227180 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2001 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965227180 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | "File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 10/XX/2001 | GA | Primary | Refinance - UTD | C |  |  | No |
| 2965227312 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227312 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227312 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227312 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227312 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227312 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/02 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/02. |  |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227312 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227312 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Grace Period Testing | Note grace period less than minimum per state. | 10 day grace period less than 15 day minimum per state (NY) |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227312 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | The lesser of 5% or $35 late charge conforms with 2% maximum per state (NY) which is an amount of $36.55 |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227312 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Due On Sale Clause |  |  |  |  |  |  |  | 2 | 12/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227518 | XXX | XXX | XXX | XXX | 05/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/1999 | MI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227518 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 2/XX/1999 | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227751 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not<br> signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227751 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227765 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227765 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227765 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227765 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227765 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not<br> signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227765 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227366 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2003 | TX | Primary | Purchase | C |  |  | No |
| 2965227366 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965227366 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965227366 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/02 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/02. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965227366 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965226805 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226805 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226805 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226805 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $135,672.38 is underdisclosed from calculated Finance Charge of $135,886.03 in the amount of $213.65. | Finance charges are under disclosed due to fees. Unable to determine reason for under disclosure due to missing TIL Itemization. |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965226805 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226805 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227082 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965227082 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965227082 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965227082 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965227082 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965226926 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226926 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965226926 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not<br> signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 3/XX/2008 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226926 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2008 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226926 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not<br> dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 3/XX/2008 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227263 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227263 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 9/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227263 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227855 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | TX | Primary | Construction-Permanent | C |  |  | No |
| 2965227855 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | TX | Primary | Construction-Permanent | B |  |  | No |
| 2965227855 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | TX | Primary | Construction-Permanent | B |  |  | No |
| 2965227855 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | TX | Primary | Construction-Permanent | B |  |  | No |
| 2965227855 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | TX | Primary | Construction-Permanent | No Defined Cure B |  |  | No |
| 2965227855 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | TX | Primary | Construction-Permanent | No Defined Cure B |  |  | No |
| 2965227855 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | TX | Primary | Construction-Permanent | B |  |  | No |
| 2965227053 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/07. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965227053 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965227700 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227803 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/07. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227803 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227803 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227803 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227878 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | DC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227878 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | DC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227878 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | DC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227878 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | DC | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227878 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | State Compliance | State Defect | District of Columbia Prepayment Penalty | District of Columbia Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 2 months interest calculated on 2/3 of the original balance. | PPP Expired. |  |  |  |  |  |  | 2 | 12/XX/2006 | DC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227527 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227046 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | CO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227046 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $305,462.82 is underdisclosed from calculated Finance Charge of $306,107.82 in the amount of $645.00. | TIL itemization did not disclose an Admin Fee of $615 as a prepaid finance charge. |  |  |  |  |  |  | 3 | 3/XX/2007 | CO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227641 | XXX | XXX | XXX | XXX | 06/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227641 | XXX | XXX | XXX | XXX | 06/04/2019 | Credit | Insurance | Insurance Eligibility | Insurance | MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD. |  | Verified - MI Cert indicates $48.36 per month. HUD-1 indicates $49.14 per month. |  |  |  |  |  |  | 3 | 7/XX/2006 | PA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227641 | XXX | XXX | XXX | XXX | 06/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226956 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | NC | Second Home | Purchase | C |  |  | No |
| 2965226956 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $317,402.28 is underdisclosed from calculated Finance Charge of $317,867.71 in the amount of $465.43. | TIL itemization did not disclose an attorney fee of $450, nor a request for notice fee of $140 as prepaid finance charges. |  |  |  |  |  |  | 3 | 6/XX/2006 | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965226847 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | TX | Primary | Purchase | C |  |  | No |
| 2965227710 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227809 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227809 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 12/XX/2004 | OR | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227809 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,761,765.37 is underdisclosed from calculated Finance Charge of $1,763,318.10 in the amount of $1,552.73. | TIL Itemization did not disclose the $1687.70 prepaid interest as a prepaid finance charges. |  |  |  |  |  |  | 3 | 12/XX/2004 | OR | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227809 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005. |  |  |  |  |  |  |  | 3 | 12/XX/2004 | OR | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227580 | XXX | XXX | XXX | XXX | 05/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2004 | IL | Primary | Purchase | C |  |  | No |
| 2965227580 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/04. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | IL | Primary | Purchase | B |  |  | No |
| 2965227580 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | IL | Primary | Purchase | B |  |  | No |
| 2965227804 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/04. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227804 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227516 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $234,359.17 is underdisclosed from calculated Finance Charge of $237,029.23 in the amount of $2,670.06. | It appears a lower Index was used at origination than the 1.19% Index available within the look-back period. |  |  |  |  |  |  | 3 | 1/XX/2004 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227639 | XXX | XXX | XXX | XXX | 05/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2004 | IL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | C |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | B |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | B |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | B |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2001 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/16): Received Final HUD-1, exception cleared. | 07/16/2019 |  |  |  | 1 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | A |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/16): Received Final HUD-1, exception cleared. | 07/16/2019 |  |  |  | 1 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | A |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/01 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/01. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/16): Received Final HUD-1, exception cleared. | 07/16/2019 |  |  |  | 1 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | A |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | B |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | B |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 05/12/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | C |  |  | No |
| 2965227318 | XXX | XXX | XXX | XXX | 07/16/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/01 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/01. |  |  |  |  |  |  |  | 2 | 10/XX/2001 | GA | UTD | Refinance - Rate/Term | B |  |  | No |
| 2965227557 | XXX | XXX | XXX | XXX | 07/20/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/04. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | KY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227498 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | PA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227447 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | TILA | HELOC Fees Used For Testing | Truth in Lending Act (HELOC): Fees disclosed on Final HUD1 exceed those disclosed in HELOC Agreement. Fees from Itemization used in any federal, state, and local high cost testing |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227447 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/05 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227447 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227237 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227237 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227237 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | WA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227237 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | WA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227569 | XXX | XXX | XXX | XXX | 07/17/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227569 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227569 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227569 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227569 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227683 | XXX | XXX | XXX | XXX | 07/18/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | VA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227170 | XXX | XXX | XXX | XXX | 07/17/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227170 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227170 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227170 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227170 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227170 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227170 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227170 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226797 | XXX | XXX | XXX | XXX | 07/25/2019 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | FL | Investment | Purchase | D |  |  | No |
| 2965226949 | XXX | XXX | XXX | XXX | 07/25/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | FL | Primary | Purchase | C |  |  | No |
| 2965226949 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No |
| 2965226949 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No |
| 2965226949 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/04. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No |
| 2965226949 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226949 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226949 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No |
| 2965226949 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Purchase | B |  |  | No |
| 2965226898 | XXX | XXX | XXX | XXX | 07/25/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Investment | Purchase | C |  |  | No |
| 2965226898 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/07. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Investment | Purchase | B |  |  | No |
| 2965226898 | XXX | XXX | XXX | XXX | 07/25/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Investment | Purchase | C |  |  | No |
| 2965226838 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/07. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | FL | Investment | Purchase | B |  |  | No |
| 2965227016 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | PA | Investment | Purchase | B |  |  | No |
| 2965226885 | XXX | XXX | XXX | XXX | 07/25/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I | Note P&I of $680.00 does not match Calculated P&I of $702.67 |  |  |  |  |  |  |  | 3 | 9/XX/2005 | FL | Investment | Purchase | C |  |  | No |
| 2965226848 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226848 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226848 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226848 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 9/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226848 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226806 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226806 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226806 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226806 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226806 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  | Reviewer Comment (2019/XX/04): Disclosure of costs and fees not provided. Need either Closing Instructions with signed Disbursement Authorization or Important Terms Disclosure for subject loan. Exception remains.<br>Seller Comment (2019/XX/04): The issue cited has either been resolved or was determined to not be an exception as noted. Please refer to page #4 of the "Equity Maximizer Agreement Disclosure Statement" which states that initial index is 7.50% and margin is -.260%. This equates to an initial rate of 7.240%. The "Equity Maximizer Agreement Disclosure Statement" also states that APR is 7.240%, which is the same as the initial rate. This means that there were no other fees/costs at account opening. Otherwise, APR would be higher than 7.240%. In addition, the "Equity Maximizer Agreement Disclosure Statement" also states "The ANNUAL PERCENTAGE RATE includes only interest and no other costs." As such, there were no fees/costs to itemize or to disclose. Supporting documents have been uploaded as BANA#875942793_Compliance Documents |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965226806 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226806 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226806 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227066 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227066 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227066 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227066 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227066 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227066 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227066 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227066 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2006, prior to three (3) business days from transaction date of 05/XX/2006. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226862 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226862 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226862 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226862 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226862 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226862 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/07. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226862 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226862 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2008, prior to three (3) business days from transaction date of 01/XX/2008. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226809 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2008 | FL | Investment | Refinance - UTD | C |  |  | No |
| 2965226809 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2008 | FL | Investment | Refinance - UTD | B |  |  | No |
| 2965226809 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 4/XX/2008 | FL | Investment | Refinance - UTD | C |  |  | No |
| 2965226809 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | FL | Investment | Refinance - UTD | B |  |  | No |
| 2965226809 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | FL | Investment | Refinance - UTD | B |  |  | No |
| 2965226809 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/07. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | FL | Investment | Refinance - UTD | B |  |  | No |
| 2965227401 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227401 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227401 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227401 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227401 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227401 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227401 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227401 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227401 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2006, prior to three (3) business days from transaction date of 03/XX/2006. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227309 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2003 | RI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227309 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2003 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227309 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 12/XX/2003 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227309 | XXX | XXX | XXX | XXX | 08/03/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 12/XX/2003 | RI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227309 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2003 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227309 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2003 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227309 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2003 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227309 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 12/XX/2003 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227309 | XXX | XXX | XXX | XXX | 08/03/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 12/XX/2003 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227442 | XXX | XXX | XXX | XXX | 07/18/2019 | Credit | Insurance | Insurance Eligibility | Insurance | MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD. |  |  |  |  |  |  |  |  | 3 | 4/XX/2002 | TX | Primary | Purchase | C |  |  | No |
| 2965227442 | XXX | XXX | XXX | XXX | 07/18/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2002 | TX | Primary | Purchase | B |  |  | No |
| 2965227777 | XXX | XXX | XXX | XXX | 07/20/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2002 | SC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227777 | XXX | XXX | XXX | XXX | 07/20/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2002 | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227777 | XXX | XXX | XXX | XXX | 07/20/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $168,149.96 is underdisclosed from calculated Finance Charge of $168,261.16 in the amount of $111.20. | Under disclosure is fee related due to TIL Itemization not including the following fees in prepaid finance charges: $35 Credit Report, $100 Mobile Home Detitleing Fee (per the HUD) $50 Fax Fee. There is a slight payment over disclosure of $38.80 resulting in an overall under disclosure of $111.20. |  |  |  |  |  |  | 3 | 10/XX/2002 | SC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227605 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227605 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227605 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. | Note that a lender may choose to make a variable rate loan under Cal Civ Code 1920c.12 in which case the borrower must be permitted to prepay the loan in whole or in part without a prepayment charge at any time. |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227605 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227605 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227799 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227799 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227799 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227799 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227753 | XXX | XXX | XXX | XXX | 07/18/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2005 | CA | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227753 | XXX | XXX | XXX | XXX | 07/18/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227753 | XXX | XXX | XXX | XXX | 07/18/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | CA | Investment | Refinance - Cash-out - Other | D |  |  | No |
| 2965227753 | XXX | XXX | XXX | XXX | 07/18/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227294 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227294 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227294 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227119 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227119 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227274 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/07. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227274 | XXX | XXX | XXX | XXX | 07/17/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226933 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226933 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226933 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226933 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227736 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227736 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 10/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227107 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NH | Second Home | Purchase | B |  |  | No |
| 2965227107 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | NH | Second Home | Purchase | B |  |  | No |
| 2965227107 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2008 | NH | Second Home | Purchase | B |  |  | No |
| 2965227107 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 1/XX/2008 | NH | Second Home | Purchase | B |  |  | No |
| 2965226873 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965226873 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965226873 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 9/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965227798 | XXX | XXX | XXX | XXX | 07/25/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2003 | GA | UTD | Purchase | C |  |  | No |
| 2965227798 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2003 | GA | UTD | Purchase | B |  |  | No |
| 2965227798 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2003 | GA | UTD | Purchase | B |  |  | No |
| 2965227798 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 6/XX/2003 | GA | UTD | Purchase | B |  |  | No |
| 2965227798 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/02. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | GA | UTD | Purchase | B |  |  | No |
| 2965227798 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | GA | UTD | Purchase | B |  |  | No |
| 2965227798 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2003 | GA | UTD | Purchase | B |  |  | No |
| 2965226856 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226856 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226856 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226856 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 3/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226856 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 3/XX/2007 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965226856 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 3/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226856 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $229,880.54 is underdisclosed from calculated Finance Charge of $230,002.03 in the amount of $121.49. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 3/XX/2007 | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965226920 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | OH | Primary | Purchase | B |  |  | No |
| 2965226920 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | OH | Primary | Purchase | B |  |  | No |
| 2965226920 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | OH | Primary | Purchase | B |  |  | No |
| 2965227577 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965227563 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227563 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $120,452.49 is underdisclosed from calculated Finance Charge of $121,162.28 in the amount of $709.79. | Unable to determine the fee under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 8/XX/2006 | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227563 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 8/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227563 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965226827 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226827 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226827 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/16): Client provided the final HUD-1. | 08/16/2019 |  |  |  | 1 | 4/XX/2007 | SC | Primary | Purchase | A |  |  | No |
| 2965226827 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226827 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 4/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226827 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 4/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965227018 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2003 | FL | Primary | Purchase | B |  |  | No |
| 2965227018 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | FL | Primary | Purchase | B |  |  | No |
| 2965227018 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | FL | Primary | Purchase | B |  |  | No |
| 2965227018 | XXX | XXX | XXX | XXX | 07/25/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. | Missing page 2 of 2 |  |  |  |  |  |  | 3 | 8/XX/2003 | FL | Primary | Purchase | D |  |  | No |
| 2965226970 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226970 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226970 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/05. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226970 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965226970 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227132 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | VA | Primary | Purchase | B |  |  | No |
| 2965227132 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | VA | Primary | Purchase | B |  |  | No |
| 2965227132 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | VA | Primary | Purchase | B |  |  | No |
| 2965227646 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227646 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227646 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227646 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | VA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227646 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2008 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226974 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 4/XX/2008 | AZ | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2965226974 | XXX | XXX | XXX | XXX | 07/23/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 4/XX/2008 | AZ | Second Home | Refinance - Rate/Term | C |  |  | No |
| 2965226974 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | AZ | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2965226974 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 4/XX/2008 | AZ | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2965226974 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | AZ | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2965227662 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227662 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 4/XX/2004 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227360 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | MA | Primary | Purchase | B |  |  | No |
| 2965227360 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2006 | MA | Primary | Purchase | B |  |  | No |
| 2965227669 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/16): Client provided Note-Subject lien. | 08/16/2019 |  |  |  | 1 | 1/XX/2007 | MD | Primary | Purchase | A |  |  | No |
| 2965227669 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227669 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227669 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227669 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227669 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227210 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 5/XX/2007 | IL | Primary | Purchase | B |  |  | No |
| 2965227229 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227229 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower at the time of application. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227229 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower at the time of application. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227229 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227711 | XXX | XXX | XXX | XXX | 07/26/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2001 | GA | Primary | Refinance - UTD | C |  |  | No |
| 2965227711 | XXX | XXX | XXX | XXX | 07/26/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2001 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965227711 | XXX | XXX | XXX | XXX | 07/26/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 12/XX/2001 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965227711 | XXX | XXX | XXX | XXX | 07/26/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 12/XX/2001 | GA | Primary | Refinance - UTD | C |  |  | No |
| 2965227711 | XXX | XXX | XXX | XXX | 07/26/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2001 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965227711 | XXX | XXX | XXX | XXX | 07/26/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 12/XX/2001 | GA | Primary | Refinance - UTD | D |  |  | No |
| 2965227711 | XXX | XXX | XXX | XXX | 07/26/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/01 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 12/XX/2001 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965227711 | XXX | XXX | XXX | XXX | 07/26/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 12/XX/2001 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965227711 | XXX | XXX | XXX | XXX | 07/26/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 12/XX/2001 | GA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227711 | XXX | XXX | XXX | XXX | 07/26/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/16): Note w/combined TIL. Exception cleared.<br>Seller Comment (2019/XX/16): Contained in the loan file is the Final TIL Disclosure | 09/16/2019 |  |  |  | 1 | 12/XX/2001 | GA | Primary | Refinance - UTD | A |  |  | No |
| 2965227830 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2009 | DC | Investment | Refinance - Rate/Term | B |  |  | No |
| 2965227830 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/09 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/08. |  |  |  |  |  |  |  | 2 | 5/XX/2009 | DC | Investment | Refinance - Rate/Term | B |  |  | No |
| 2965227336 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227336 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/06. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227336 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227336 | XXX | XXX | XXX | XXX | 07/23/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965226814 | XXX | XXX | XXX | XXX | 08/10/2019 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2005 | FL | Investment | Purchase | D |  |  | No |
| 2965226814 | XXX | XXX | XXX | XXX | 08/10/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2005 | FL | Investment | Purchase | B |  |  | No |
| 2965226814 | XXX | XXX | XXX | XXX | 08/10/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 1/XX/2005 | FL | Investment | Purchase | C |  |  | No |
| 2965227024 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2007 | GA | Investment | Purchase | B |  |  | No |
| 2965227010 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2007 | FL | Investment | Purchase | B |  |  | No |
| 2965227010 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | FL | Investment | Purchase | B |  |  | No |
| 2965227387 | XXX | XXX | XXX | XXX | 08/10/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227387 | XXX | XXX | XXX | XXX | 08/10/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227387 | XXX | XXX | XXX | XXX | 08/10/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227387 | XXX | XXX | XXX | XXX | 08/10/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $205,989.06 is underdisclosed from calculated Finance Charge of $207,193.16 in the amount of $1,204.10. | The TIL Itemization did not disclose an admin fee of $625, a flood cert fee of $8, a funding fee of $165, a loan tie in fee of $150, a sub escrow fee of $60, a tax service fee of $78, title courier fee of $50, and underwriting fee of $495 and wire fees of $125 as prepaid finance charges. The TIL itemization reflected a prepaid interest of $$335.94 that is reflected on the hud at $551.08 and a settlement/closing fee of $500 that is reflected on the hud at $1,045.25 as prepaid finance charges. |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227387 | XXX | XXX | XXX | XXX | 08/10/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226897 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226936 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226936 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226936 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226936 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226936 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226936 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  |  |  |  | 2 | 4/XX/2008 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226936 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 4/XX/2008 | MA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226936 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2008 | MA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226936 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2008 | MA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226936 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2008 | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227326 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227326 | XXX | XXX | XXX | XXX | 07/28/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227326 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227326 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227326 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement date and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227559 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 3/XX/2008 | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227559 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227559 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227559 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | WA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227559 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | WA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227559 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 3/XX/2008 | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227559 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $3,039,078.16 is underdisclosed from calculated Finance Charge of $3,039,123.97 in the amount of $45.81. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 3/XX/2008 | WA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227559 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | WA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227727 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NV | Primary | Purchase | C |  |  | No |
| 2965227727 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NV | Primary | Purchase | B |  |  | No |
| 2965227727 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NV | Primary | Purchase | B |  |  | No |
| 2965227727 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NV | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227727 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NV | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227727 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NV | Primary | Purchase | B |  |  | No |
| 2965227727 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 3/XX/2008 | NV | Primary | Purchase | B |  |  | No |
| 2965227727 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 3/XX/2008 | NV | Primary | Purchase | B |  |  | No |
| 2965227047 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2004 | NC | Investment | Purchase | B |  |  | No |
| 2965227023 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227023 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227023 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227023 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2004 | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227023 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226896 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2002 | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226896 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2002 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226896 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | "File does not contain either Preliminary or Final Title". |  |  |  |  |  |  | 3 | 3/XX/2002 | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226896 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2002 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226896 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2002 | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226896 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Missing | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2002 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226896 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2002 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227517 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227517 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/06 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227517 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Grace Period Testing | Note grace period less than minimum per state. | 10 day grace period is less than 15 days per state of North Carolina. |  |  |  |  |  |  | 2 | 3/XX/2006 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227517 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Percent Testing | Note late charge exceeds maximum per state. | 5% late charge exceeds maximum late charge of 4% per state of North Carolina. |  |  |  |  |  |  | 2 | 3/XX/2006 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227517 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227517 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | appraisal report missing |  |  |  |  |  |  | 2 | 3/XX/2006 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227517 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 3/XX/2006 | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227517 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227583 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | SC | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227583 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2005 | SC | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227583 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 7/XX/2005 | SC | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227583 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | SC | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227583 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/05 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | SC | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227205 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | SC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227205 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227205 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227205 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227205 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227205 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2008 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227205 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 1/XX/2008 | SC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226941 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | OR | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226941 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 3/XX/2006 | OR | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226941 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226941 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226941 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226941 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226941 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | State Late Charge | Oregon Late Charge Grace Period Testing | Note grace period less than minimum per state. | Grace period not allowed per state (OR) - min grace period for OR is 15 days - note states 10 days. |  |  |  |  |  |  | 2 | 3/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226941 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226941 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227192 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | NV | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227192 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227192 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227192 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227192 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227192 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 7/XX/2006 | NV | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227627 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | WA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227627 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227627 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 11/XX/2007 | WA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227627 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227627 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227627 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 11/XX/2007 | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227627 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227104 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227104 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227104 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227104 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227425 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2002 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227425 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 5/XX/2002 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227425 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/02 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2002 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227425 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | State Late Charge | California Primary Residence Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2002 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227425 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 5/XX/2002 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227425 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 5/XX/2002 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227827 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227827 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227827 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227827 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227827 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227272 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227272 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227272 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227272 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227272 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227272 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227272 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227272 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227652 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2008 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227652 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227652 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2008 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227652 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | appraisal report missing |  |  |  |  |  |  | 2 | 4/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227652 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either a Preliminary or Final Title. |  |  |  |  |  |  | 3 | 4/XX/2008 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227652 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227450 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 7/XX/1998 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227450 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | Appraisal was not in file |  |  |  |  |  |  | 2 | 7/XX/1998 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227450 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Final 1003 is missing |  |  |  |  |  |  | 3 | 7/XX/1998 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227450 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 7/XX/1998 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227450 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 7/XX/1998 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227450 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/1998 | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227450 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/98 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/1998 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227820 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | GA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227820 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227820 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227820 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227820 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227820 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227820 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 6/XX/2006 | GA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226995 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2002 | TN | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965226995 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2002 | TN | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965226995 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2002 | TN | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965226995 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 7/XX/2002 | TN | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965226995 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/02 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 7/XX/2002 | TN | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965226895 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2002 | TN | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965226895 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2002 | TN | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965226895 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 7/XX/2002 | TN | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965226895 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2002 | TN | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965226895 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/02 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 7/XX/2002 | TN | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227039 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227039 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227039 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227039 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227039 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227039 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227039 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: HELOC Agreement was not provided to the borrower by closing. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227039 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227039 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | TN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227208 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227208 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227208 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227208 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Note grace period less than minimum per state. | Grace period not allowed per state (PA) - min grace period for PA is 15 days - note states 10 days. |  |  |  |  |  |  | 2 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227208 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227208 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227208 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227555 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227555 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227555 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 12/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227555 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227555 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227555 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227555 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/02 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227555 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 12/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/04 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | State Compliance | State Defect | New Jersey Home Loan (Late Charge) | Unable to determine if loan contains an impermissible late charge due to missing information. | Unable to determine late charge percentage as P&I not stated on Note; maximum late charge per state of NJ is 5%. |  |  |  |  |  |  | 3 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP Expired. Prepayment charge not allowed per state of NJ; no prepayment charge is allowed in NJ - note states $250 for 12 months. |  |  |  |  |  |  | 2 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227868 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2004, prior to three (3) business days from transaction date of 05/XX/2004. |  |  |  |  |  |  |  | 3 | 5/XX/2004 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227411 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227411 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | Appraisal not provided in the file. |  |  |  |  |  |  | 2 | 3/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227411 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 3/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227411 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227411 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | State Defect | New Jersey Home Loan (Late Charge) | New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. | 10 day grace period less than 15 day minimum per state (NJ) |  |  |  |  |  |  | 3 | 3/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227411 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226798 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226798 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226798 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | State Defect | New Jersey Home Loan (Late Charge) | New Jersey Home Loan: Mortgage loan contains an impermissible late charge of greater than 5.0% or a grace period less than 15 days. | Grace period min not allowed per state (NJ) - min grace period for NJ is 15 days - note states 10 |  |  |  |  |  |  | 3 | 4/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226798 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226798 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226798 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 4/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226798 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227872 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227872 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227872 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227872 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227872 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227872 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227872 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227872 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227872 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227550 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2003 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227550 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 2/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227550 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 2/XX/2003 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227550 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227550 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227550 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227550 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/03 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227550 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227550 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 2/XX/2003 | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227382 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | PA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227382 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2008 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227382 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227382 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227382 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227382 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Note grace period less than minimum per state. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227382 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227382 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227428 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227428 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227428 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227428 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227428 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227428 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Open End Late Charge Grace Period Testing | Note grace period less than minimum per state. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227428 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227428 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227118 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 7/XX/2002 | MO | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227118 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2002 | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227118 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2002 | MO | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227118 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2002 | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227118 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/02 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2002 | MO | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227118 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/2002 | MO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227137 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | AR | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227137 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  | Reviewer Comment (2019/XX/20): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.<br>Reviewer Comment (2019/XX/03): NO evidence of fees on HELOC, exception remains. | 09/20/2019 |  |  |  | 1 | 7/XX/2007 | AR | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227137 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  | Seller Comment (2019/XX/20): We have located the documents requested. See note attached. In lieu of the TIL and HELOC Fee Agreement, see the Specific Closing Instructions, the Boarding data form, and the Disbursement request and authorization indicating the fees charged at time of closing. Loan date: 7/XX/07; Loan amt: $XXX.<br>Reviewer Comment (2019/XX/20): Evidence of no fees paid by borrower per Disbursement Request and Authorization Agreement signed by Borrower. Exception cleared.<br>Reviewer Comment (2019/XX/03): NO evidence of fees on HELOC, exception remains. | 09/20/2019 |  |  |  | 1 | 7/XX/2007 | AR | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227137 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | AR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227137 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/20): Exception changed to one with fees. | 09/20/2019 |  |  |  | 1 | 7/XX/2007 | AR | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227137 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | AR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227137 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2007 | AR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227137 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 7/XX/2007 | AR | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227137 | XXX | XXX | XXX | XXX | 09/20/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | AR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227713 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | AR | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227713 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 9/XX/2007 | AR | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227713 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | AR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227713 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | AR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227713 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | AR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226889 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | NM | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226889 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2006 | NM | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226889 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 10/XX/2006 | NM | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226889 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | NM | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226889 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | NM | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226889 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/06 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | NM | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226889 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | NM | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227386 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | NM | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227386 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2007 | NM | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227386 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 12/XX/2007 | NM | Investment | Refinance - Cash-out - Other | C |  |  | No |
| 2965227386 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | NM | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227386 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/07 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | NM | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227015 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2008 | IL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227015 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2008 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227015 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 11/XX/2008 | IL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227015 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2008 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227015 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 11/XX/2008 | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227015 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/08 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2008 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227847 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227847 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227847 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227847 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2008, prior to three (3) business days from transaction date of 06/XX/2008. |  |  |  |  |  |  |  | 3 | 6/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227847 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 6/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227847 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227847 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | RTC not signed. |  |  |  |  |  |  | 3 | 6/XX/2008 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227564 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 3/XX/2010 | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227564 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 2 | 3/XX/2010 | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227564 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2010 | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227564 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $161,535.80 is underdisclosed from calculated Finance Charge of $161,595.68 in the amount of $59.88. | Under disclosure is due to $60 Subordination Recording Fee charged on HUD not included in prepaid finance charges on Itemization of Amount Financed plus a $0.12 payment variance. |  |  |  |  |  |  | 3 | 3/XX/2010 | OH | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227564 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  | 2 | 3/XX/2010 | OH | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227240 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2013 | MA | Primary | Purchase | B |  |  | No |
| 2965227240 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  | 2 | 9/XX/2013 | MA | Primary | Purchase | B |  |  | No |
| 2965227240 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 9/XX/2013 | MA | Primary | Purchase | B |  |  | No |
| 2965227033 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2013 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227033 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2013 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227033 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 10/XX/2013 | GA | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965227033 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $47,699.20 is underdisclosed from calculated Finance Charge of $47,764.22 in the amount of $65.02. | Itemization of amount financed does not reflects a $65 funding fee as prepaid finance charges. |  |  |  |  |  |  | 3 | 10/XX/2013 | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227507 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227507 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 12/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227507 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227507 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227507 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227344 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 11/XX/2013 | MA | Primary | Purchase | B |  |  | No |
| 2965227344 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 11/XX/2013 | MA | Primary | Purchase | B |  |  | No |
| 2965227706 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2004 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227706 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227706 | XXX | XXX | XXX | XXX | 07/28/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227431 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | NY | Second Home | Purchase | B |  |  | No |
| 2965227431 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NY | Second Home | Purchase | B |  |  | No |
| 2965227431 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NY | Second Home | Purchase | B |  |  | No |
| 2965227431 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NY | Second Home | Purchase | B |  |  | No |
| 2965227431 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NY | Second Home | Purchase | B |  |  | No |
| 2965227390 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/1999 | MD | Primary | Purchase | B |  |  | No |
| 2965227092 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2002 | PA | Primary | Purchase | B |  |  | No |
| 2965226907 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2004 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226907 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2004 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226907 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226907 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226907 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2004 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227019 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2003 | TX | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227019 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227019 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227019 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 5/XX/2003 | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227019 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 5/XX/2003 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227019 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | missing appraisal report |  |  |  |  |  |  | 2 | 5/XX/2003 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227019 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 5/XX/2003 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227019 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 5/XX/2003 | TX | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227019 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) | Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | TX | Primary | Refinance - Rate/Term | Confirm whether the prior lien on the subject property was a Texas 50(a)(6) or 50(a)(7). If the prior lien was not a 50(a)(6) loan, clear. If the prior lien was a 50(a)(6) the loan needs to be re-reviewed for additional exceptions<br> Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section. B |  |  | No |
| 2965227758 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227758 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227758 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227758 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227758 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227758 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227758 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227758 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226922 | XXX | XXX | XXX | XXX | 08/13/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine the # of units, compliance results were generated using a defaulted value. | Valuation Type: Stated / Valuation Report Date: 08/XX/2007 |  |  |  |  |  |  |  | 2 | 8/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | 4% late charge exceeds 2% per state (NY) |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2007, prior to three (3) business days from transaction date of 07/XX/2007. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227567 | XXX | XXX | XXX | XXX | 08/05/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 7/XX/2007 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227719 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227719 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227719 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227719 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227719 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227719 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227719 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227719 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Grace Period Testing | Note grace period less than minimum per state. | 10 day grace period less than 15 day minimum per state (NY) |  |  |  |  |  |  | 2 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227719 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227167 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2004 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227167 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227167 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227167 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227167 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227167 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227167 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 1/XX/2004 | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227167 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Prepayment penalty not permissible on an adjustable rate loan less than $250,000 and an introductory period less than 5 years. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226818 | XXX | XXX | XXX | XXX | 08/16/2019 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Please provide Home Replacement Cost Estimator |  |  |  |  |  |  | 3 | 7/XX/2018 | FL | Second Home | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965226818 | XXX | XXX | XXX | XXX | 08/16/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/07/XX/2018) | The final CD indicates a Finance Charge of $214,745.44 which doesn't match the calculated Finance Charge of $214,968.44. with a variance of -$223.00 |  |  |  |  |  |  | 3 | 7/XX/2018 | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965226818 | XXX | XXX | XXX | XXX | 08/16/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2018) | No COC or cure was provided to the borrower for tolerance overages |  |  |  |  |  |  | 2 | 7/XX/2018 | FL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965226818 | XXX | XXX | XXX | XXX | 08/16/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Provided | Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. | Disclosure was not located in the file |  |  |  |  |  |  | 2 | 7/XX/2018 | FL | Second Home | Purchase | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965226818 | XXX | XXX | XXX | XXX | 08/16/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $616.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) | No COC or cure was provided to the borrower for tolerance overages |  |  |  |  |  |  | 3 | 7/XX/2018 | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965226818 | XXX | XXX | XXX | XXX | 08/16/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $160.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | No COC or cure was provided to the borrower for tolerance overages |  |  |  |  |  |  | 3 | 7/XX/2018 | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965226818 | XXX | XXX | XXX | XXX | 08/16/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender Required Survey Fee. Fee Amount of $425.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77175) | No COC or cure was provided to the borrower for tolerance overages |  |  |  |  |  |  | 3 | 7/XX/2018 | FL | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965226880 | XXX | XXX | XXX | XXX | 08/14/2019 | Credit | Insurance | Insurance Analysis | Insurance | The Hazard Insurance Policy effective date is after the Transaction Date. | Hazard Insurance Policy Effective Date 11/XX/2017, Transaction Date: 11/XX/2017 | The loan closed 11/XX/2017 but the insurance reflects an effective date of 11/XX/2017. |  |  |  |  |  |  | 3 | 11/XX/2017 | FL | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 2965226880 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | No evidence of early receipt was located in the file |  |  |  |  |  |  | 2 | 11/XX/2017 | FL | Primary | Purchase | B | UTD | Safe Harbor QM | No |
| 2965226880 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 5,061.96 on Final Closing Disclosure provided on 11/XX/2017 not accurate. (Final/XX/20/2017) | The Final CD disclosed Monthly Tax amount as $244.00. The tax certificate calculated as $140.49 monthly |  |  |  |  |  |  | 3 | 11/XX/2017 | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | UTD | Safe Harbor QM | No |
| 2965226880 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $385.44 on Final Closing Disclosure provided on 11/XX/2017 not accurate. (Final/XX/20/2017) |  |  |  |  |  |  |  | 2 | 11/XX/2017 | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | UTD | Safe Harbor QM | No |
| 2965226880 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $160.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) | The initial LE did not reflect the Appraisal Re-Inspection Fee which exceeds the zero percent tolerance. No COC or cure was provided to the borrower for tolerance overages |  |  |  |  |  |  | 3 | 11/XX/2017 | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | UTD | Safe Harbor QM | No |
| 2965226880 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. | Please provide loan designation. |  |  |  |  |  |  | 3 | 11/XX/2017 | FL | Primary | Purchase | B C | UTD | Safe Harbor QM | No |
| 2965226880 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/20/2017) | No COC or cure was provided to the borrower for tolerance overages |  |  |  |  |  |  | 2 | 11/XX/2017 | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B | UTD | Safe Harbor QM | No |
| 2965226880 | XXX | XXX | XXX | XXX | 08/14/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Provided | Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. | The our Home Loan Toolkit Disclosure does not appear to have been provided to the applicant. |  |  |  |  |  |  | 2 | 11/XX/2017 | FL | Primary | Purchase | No Defined Cure B | UTD | Safe Harbor QM | No |
| 2965227679 | XXX | XXX | XXX | XXX | 08/16/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77179) | The initial LE did not disclose Title - Processing Fee. Fee Amount of $100.00 while the fee is reflected on the final CD. This exceeds the zero percent tolerance. No COC or cure was provided to the borrower for tolerance overages |  | Reviewer Comment (2019/XX/XX): Fee in Section C and paid to same vendor as other title fees. No 0% tolerance violation. | 09/09/2019 |  |  |  | 1 | 9/XX/2018 | IN | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | UTD | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227679 | XXX | XXX | XXX | XXX | 08/16/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2018) | The Final CD dated 09/XX/18 does not show any total closing costs exceeding the legal limit but this is inaccurate due to the $100 doc processing fee that was not on the LE but was on the CD's. No COC or cure was provided to the borrower for tolerance overages |  | Reviewer Comment (2019/XX/): Fee in Section C and paid to same vendor as other title fees. No 0% tolerance violation. | 09/09/2019 |  |  |  | 1 | 9/XX/2018 | IN | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | UTD | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227860 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2008 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227860 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Borrower's Interest Tangible Net Benefit Test | Massachusetts Home Loan: Unable to determine if mortgage loan was refinanced within 60 months without providing a tangible net benefit to the borrower due to missing prior loan information. |  |  |  |  |  |  |  | 3 | 8/XX/2008 | MA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227396 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | MA | Primary | Purchase | B |  |  | No |
| 2965227396 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | MA | Primary | Purchase | B |  |  | No |
| 2965227396 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | MA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227472 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Percent Testing | Note late charge exceeds maximum per state. | 5% late charge exceeds 3% maximum per state (NY) |  |  |  |  |  |  | 2 | 1/XX/2009 | MA | Primary | Purchase | B |  |  | No |
| 2965227472 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  |  |  |  | 2 | 1/XX/2009 | MA | Primary | Purchase | B |  |  | No |
| 2965227350 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227350 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227350 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227350 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Prepayment Penalty | Massachusetts Prepayment Penalty: Loan contains an impermissible prepayment penalty of greater than 3 months interest. | PPP Expired. Prepayment charge not allowed per state (MA) - max prepayment charge for MA ARM loan is 3 months - note states 2%, 2%, 2%. Lender is XXX. |  |  |  |  |  |  | 2 | 8/XX/2007 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226989 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226989 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227653 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | MA | Primary | Purchase | B |  |  | No |
| 2965227653 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | MA | Primary | Purchase | B |  |  | No |
| 2965227653 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Purchase | B |  |  | No |
| 2965227653 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Late Charge Percent Testing | Note late charge exceeds maximum per state. | 5% late charge exceeds $6000 maximum per state (MA) |  |  |  |  |  |  | 2 | 1/XX/2008 | MA | Primary | Purchase | B |  |  | No |
| 2965227385 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | MA | Primary | Purchase | B |  |  | No |
| 2965227385 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | MA | Primary | Purchase | B |  |  | No |
| 2965227385 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | MA | Primary | Purchase | B |  |  | No |
| 2965227385 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received. |  |  |  |  |  |  | 3 | 5/XX/2007 | MA | Primary | Purchase | B |  |  | No |
| 2965227385 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | MA | Primary | Purchase | C |  |  | No |
| 2965227385 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | MA | Primary | Purchase | B |  |  | No |
| 2965227131 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2004 | RI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227131 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2004 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227131 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227131 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227131 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Prepayment Penalty NonPurchase Test | Rhode Island Prepayment Penalty: Non-purchase loan contains a prepayment penalty which was not disclosed to the borrower in writing. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | RI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227131 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2004, prior to three (3) business days from transaction date of 07/XX/2004. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | RI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227131 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 7/XX/2004 | RI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | RESPA (2010) – HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | Yes |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. |  |  |  |  |  |  |  | 3 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  | 3 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - P&I Payment Inaccurate | Truth in Lending Act (MDIA 2011): Payment amount on the Final TIL does not match the P&I payment for the loan. |  |  |  |  |  |  |  | 3 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227509 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  | 3 | 3/XX/2013 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2011 | RI | Primary | Purchase | B |  |  | No |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 5/XX/2011 | RI | Primary | Purchase | B |  |  | No |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  | 2 | 5/XX/2011 | RI | Primary | Purchase | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | Yes |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  | 2 | 5/XX/2011 | RI | Primary | Purchase | B |  |  | No |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 5/XX/2011 | RI | Primary | Purchase | B |  |  | No |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 5/XX/2011 | RI | Primary | Purchase | B |  |  | No |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 5/XX/2011 | RI | Primary | Purchase | B |  |  | No |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2011 | RI | Primary | Purchase | B |  |  | Yes |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 5/XX/2011 | RI | Primary | Purchase | B |  |  | No |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. |  |  |  |  |  |  |  | 3 | 5/XX/2011 | RI | Primary | Purchase | C |  |  | No |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. |  |  |  |  |  |  |  | 3 | 5/XX/2011 | RI | Primary | Purchase | C |  |  | No |
| 2965226918 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  |  |  |  |  |  | 3 | 5/XX/2011 | RI | Primary | Purchase | C |  |  | No |
| 2965227763 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227763 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227763 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227763 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | RI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227763 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (High Cost Analysis Not In File) | Rhode Island Home Loan: Loan file did not contain record(s) documenting high-cost home loan analysis. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227763 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not properly executed. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227763 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227763 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227763 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Tangible Net Benefit Disclosure Not Provided) | Rhode Island Home Loan: Tangible Net Benefit Disclosure not provided to borrower for refinance within 60 months. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227763 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. | Missing lender's application |  |  |  |  |  |  | 3 | 1/XX/2008 | RI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226987 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NH | Primary | Purchase | B |  |  | No |
| 2965226987 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $340,822.20 is underdisclosed from calculated Finance Charge of $351,631.50 in the amount of $10,809.30. | Approval indicates the Index was 4.146, the lowest Index in look back period is 4.2871 |  |  |  |  |  |  | 3 | 5/XX/2006 | NH | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226987 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | NH | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226987 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | NH | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227052 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227052 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227052 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227052 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2007 | NH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227052 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 3/XX/2007 | NH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227635 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227635 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Connecticut Prepayment Penalty Test | Connecticut Prepayment Penalty: Prepayment penalty not permissible by state law under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | "PPP Expired. Prepayment charge not allowed per state CT - max prepayment charge for CT ARM loan is 0% - note states 6 months interest. Lender is XXX. |  |  |  |  |  |  | 2 | 12/XX/2006 | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227635 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227635 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CT | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227635 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CT | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227635 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227374 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CT | Primary | Purchase | B |  |  | No |
| 2965227604 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227604 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227604 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227604 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | CT | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227438 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2003 | CT | Primary | Refinance - UTD | C |  |  | No |
| 2965227438 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CT | Primary | Refinance - UTD | B |  |  | No |
| 2965227438 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CT | Primary | Refinance - UTD | B |  |  | No |
| 2965227438 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CT | Primary | Refinance - UTD | B |  |  | No |
| 2965227438 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | CT | Primary | Refinance - UTD | D |  |  | No |
| 2965227438 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | CT | Primary | Refinance - UTD | B |  |  | No |
| 2965227438 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | CT | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227438 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | CT | Primary | Refinance - UTD | B |  |  | No |
| 2965227261 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227699 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2001 | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227699 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2001 | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227699 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $141,058.14 is underdisclosed from calculated Finance Charge of $141,980.21 in the amount of $922.07. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 7/XX/2001 | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227465 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CT | Primary | Refinance - Limited Cash-out GSE | B |  |  | No |
| 2965227465 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CT | Primary | Refinance - Limited Cash-out GSE | B |  |  | No |
| 2965227465 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Connecticut Prepayment Penalty Test | Connecticut Prepayment Penalty: Prepayment penalty not permissible by state law under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Prepayment penalty not applicable for state of Conn |  |  |  |  |  |  | 2 | 11/XX/2005 | CT | Primary | Refinance - Limited Cash-out GSE | B |  |  | No |
| 2965226846 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226846 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | CT | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | Yes |
| 2965227257 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2004 | CT | Primary | Purchase | C |  |  | No |
| 2965227257 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2004 | CT | Primary | Purchase | C |  |  | No |
| 2965227257 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | CT | Primary | Purchase | B |  |  | No |
| 2965227257 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | CT | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227257 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | CT | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227610 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CT | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227610 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Connecticut Prepayment Penalty Test | Connecticut Prepayment Penalty: Prepayment penalty not permissible by state law under the Mortgage Lenders, Correspondent Lenders, Brokers and Loan Originators Act. | PPP Expired. Prepayment charge not allowed per state (CT) - max prepayment charge for CT ARM loan is 0% - note states 2%, 2%, 2%. Lender is XXX. |  |  |  |  |  |  | 2 | 1/XX/2006 | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227610 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227610 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CT | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227610 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 5.94000% is underdisclosed from calculated APR of 6.23167% outside of 0.125% tolerance. | Under-disclosure appears to be due to ARM index. Lowest index within look back period is 3.36%, approval states index is 3.06% |  |  |  |  |  |  | 3 | 1/XX/2006 | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227610 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $444,975.49 is underdisclosed from calculated Finance Charge of $481,550.77 in the amount of $36,575.28. | Under-disclosure appears to be due to ARM index. Lowest index within look back period is 3.36%, approval states index is 3.06% |  |  |  |  |  |  | 3 | 1/XX/2006 | CT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227853 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227853 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227043 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2009 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227043 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2009 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227043 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2009 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227738 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | NJ | Second Home | Refinance - UTD | C |  |  | No |
| 2965227738 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | NJ | Second Home | Refinance - UTD | B |  |  | No |
| 2965227738 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | NJ | Second Home | Refinance - UTD | D |  |  | No |
| 2965227738 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | NJ | Second Home | Refinance - UTD | B |  |  | No |
| 2965227738 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | NJ | Second Home | Refinance - UTD | B |  |  | No |
| 2965227738 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2007 | NJ | Second Home | Refinance - UTD | B |  |  | No |
| 2965227270 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227270 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227270 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227270 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227270 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227270 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 5.83200% is underdisclosed from calculated APR of 6.15732% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 2.163% per the Approval, however the lowest index value available in the look back period is 2.49167%. |  |  |  |  |  |  | 3 | 6/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227270 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $508,543.67 is underdisclosed from calculated Finance Charge of $557,606.24 in the amount of $49,062.57. | Under disclosure is due to the lender utilizing an index value of 2.163% per the Approval, however the lowest index value available in the look back period is 2.49167%. |  |  |  |  |  |  | 3 | 6/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227270 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. | PPP Expired. Prepayment charge not allowed per state NJ - note states 2%, 2%, 2%. Lender is XXX. |  |  |  |  |  |  | 2 | 6/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227690 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227690 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Prepayment penalty is expired. Prohibited per state (NJ). |  |  |  |  |  |  | 2 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227690 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227690 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $349,637.23 is underdisclosed from calculated Finance Charge of $392,895.21 in the amount of $43,257.98. | Under disclosure is due to the lender utilizing an index value of 3.751% per the Rate Lock, however the lowest index value available in the look back period is 3.88830%. |  |  |  |  |  |  | 3 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227690 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227560 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227560 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227560 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227560 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227560 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227560 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227560 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227560 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2003, prior to three (3) business days from transaction date of 01/XX/2003. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227532 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NJ | Primary | Purchase | B |  |  | No |
| 2965227532 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NJ | Primary | Purchase | B |  |  | No |
| 2965227532 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | NJ | Primary | Purchase | B |  |  | No |
| 2965227485 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227485 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227485 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227485 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226994 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226994 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227317 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227317 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227317 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227317 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227317 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $766,807.78 is underdisclosed from calculated Finance Charge of $766,959.44 in the amount of $151.66. | Underdisclosed due to the lender utilizing an index vaue of 4.0817 per funding checklist, however the closest index available in lookback period is 4.0706%. |  |  |  |  |  |  | 3 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227305 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227305 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227305 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Eligibility | Insurance | MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the HUD. |  |  |  |  |  |  |  |  | 3 | 5/XX/2008 | NJ | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227839 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227839 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227839 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227206 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/1993 | NJ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227206 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $45,771.66 is underdisclosed from calculated Finance Charge of $45,914.74 in the amount of $143.08. | Itemization of amount financed does not contain a breakdown of the Prepaid Finance Charges. However, it lists a total of $2188.06 and the HUD Prepaid Finance Charges total $2331.06. |  |  |  |  |  |  | 3 | 3/XX/1993 | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227061 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/XX): Additional image package received. | 11/25/2019 |  |  |  | 1 | 9/XX/2007 | NJ | Second Home | Purchase | A |  |  | No |
| 2965227061 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2019/XX/XX): Additional image package received. | 11/25/2019 |  |  |  | 1 | 9/XX/2007 | NJ | Second Home | Purchase | A |  |  | No |
| 2965227061 | XXX | XXX | XXX | XXX | 11/27/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  | Reviewer Comment (2019/XX/XX): Additional image package received. | 11/25/2019 |  |  |  | 1 | 9/XX/2007 | NJ | Second Home | Purchase | A |  |  | No |
| 2965227061 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | Loan file only contains the title and security instrument. |  | Reviewer Comment (2019/XX/XX): Additional image package received. | 11/25/2019 |  |  |  | 1 | 9/XX/2007 | NJ | Second Home | Purchase | A |  |  | No |
| 2965227061 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  |  | 11/25/2019 |  |  |  | 1 | 9/XX/2007 | NJ | Second Home | Purchase | A |  |  | No |
| 2965227061 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing |  |  |  | Reviewer Comment (2019/XX/XX): Additional image package received. | 11/25/2019 |  |  |  | 1 | 9/XX/2007 | NJ | Second Home | Purchase | A |  |  | No |
| 2965227061 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NJ | Second Home | Purchase | B |  |  | No |
| 2965227061 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NJ | Second Home | Purchase | B |  |  | No |
| 2965227061 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NJ | Second Home | Purchase | B |  |  | No |
| 2965227061 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NJ | Second Home | Purchase | B |  |  | No |
| 2965227008 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: TIL did not reflect the required verbiage |  |  |  |  |  |  |  |  | 3 | 6/XX/2013 | NJ | Primary | Purchase | B |  |  | No |
| 2965227008 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 6/XX/2013 | NJ | Primary | Purchase | B |  |  | No |
| 2965227008 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  | 2 | 6/XX/2013 | NJ | Primary | Purchase | B |  |  | No |
| 2965227008 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 6/XX/2013 | NJ | Primary | Purchase | B |  |  | No |
| 2965227008 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2013 | NJ | Primary | Purchase | B |  |  | Yes |
| 2965227008 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  |  |  |  |  |  | 3 | 6/XX/2013 | NJ | Primary | Purchase | B |  |  | No |
| 2965227008 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  |  |  | 3 | 6/XX/2013 | NJ | Primary | Purchase | B |  |  | No |
| 2965227008 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | Incorrect TIL Form Used | Truth in Lending Act (MDIA 2011): TIL disclosure not compliant under MDIA |  |  |  |  |  |  |  | 3 | 6/XX/2013 | NJ | Primary | Purchase | B |  |  | No |
| 2965227008 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | 2011 TIL-MDIA - 'No guarantee to Refinance' Statement Missing | Truth in Lending Act (MDIA 2011): Final TIL does not contain required 'No guarantee to Refinance' statement. |  |  |  |  |  |  |  | 3 | 6/XX/2013 | NJ | Primary | Purchase | B |  |  | No |
| 2965226883 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | NJ | Primary | Purchase | C |  |  | No |
| 2965226883 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NJ | Primary | Purchase | B |  |  | No |
| 2965226883 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NJ | Primary | Purchase | B |  |  | No |
| 2965226883 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226883 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | NJ | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226883 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $944,542.95 is underdisclosed from calculated Finance Charge of $963,304.69 in the amount of $18,761.74. | The Index used on the Approval is 4.49%, however, the lowest Index available on our drop down is 4.65%. |  |  |  |  |  |  | 3 | 11/XX/2006 | NJ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226883 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | New Jersey Prepayment Penalty | New Jersey Prepayment Penalty: No prepayment penalties are permissible in the state of New Jersey. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NJ | Primary | Purchase | B |  |  | No |
| 2965227658 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227658 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227658 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $358,775.10 is underdisclosed from calculated Finance Charge of $359,029.87 in the amount of $254.77. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227658 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2002, prior to three (3) business days from transaction date of 10/XX/2002. |  |  |  |  |  |  |  | 3 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227658 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 10/XX/2002 | NJ | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227841 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $207,421.79 is underdisclosed from calculated Finance Charge of $207,561.95 in the amount of $140.16. | TIL itemization did not disclose a Courier fee of $75.00 and a wire fee of $15.00 as prepaid finance charges.<br> TIL itemization disclosed a Settlement Agent fee of $500.00, however the HUD-1 shows the actual amount was $300.00. |  |  |  |  |  |  | 3 | 8/XX/2005 | NJ | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227841 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227436 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227436 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227436 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227436 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227436 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $371,941.47 is underdisclosed from calculated Finance Charge of $405,002.40 in the amount of $33,060.93. | Under disclosure is due to the lender utilizing an index value of 2.70% per the Approval, however the lowest index value available in the look back period is 2.97%. |  |  |  |  |  |  | 3 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227436 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.34500% is underdisclosed from calculated APR of 6.77499% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 2.70% per the Approval, however the lowest index value available in the look back period is 2.97%. |  |  |  |  |  |  | 3 | 9/XX/2005 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2012 | NJ | UTD | Purchase | C |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 9/XX/2012 | NJ | UTD | Purchase | B |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | NJ | UTD | Purchase | B |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2012 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/XX): Doc provided, | 11/25/2019 |  |  |  | 1 | 9/XX/2012 | NJ | UTD | Purchase | A |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/XX): Doc provided, | 11/25/2019 |  |  |  | 1 | 9/XX/2012 | NJ | UTD | Purchase | A |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/XX): Doc provided, | 11/25/2019 |  |  |  | 1 | 9/XX/2012 | NJ | UTD | Purchase | A |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | NJ | UTD | Purchase | B |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | NJ | UTD | Purchase | B |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | NJ | UTD | Purchase | B |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  | 2 | 9/XX/2012 | NJ | UTD | Purchase | B |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/2012 | NJ | UTD | Purchase | B |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/XX): Doc provided, | 11/25/2019 |  |  |  | 1 | 9/XX/2012 | NJ | UTD | Purchase | A |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | NJ | UTD | Purchase | B |  |  | No |
| 2965226874 | XXX | XXX | XXX | XXX | 11/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2012 | NJ | UTD | Purchase | B |  |  | No |
| 2965227632 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2005 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227632 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227632 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Mortgage loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227632 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 2/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227632 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $268,209.85 is underdisclosed from calculated Finance Charge of $275,714.51 in the amount of $7,504.66. | Under disclosure is due to the lender utilizing an index value of 2.080% per the Loan Commitment and Approval, however the lowest index value available in the look back period is 2.190%. |  |  |  |  |  |  | 3 | 2/XX/2005 | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227632 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | NY is only allowed 2% and note stated 5% for a late fee |  |  |  |  |  |  | 2 | 2/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227726 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227726 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227726 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227726 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227824 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | NY | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227462 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227462 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 10/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227864 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2003 | NY | Primary | Refinance - UTD | C |  |  | No |
| 2965227864 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/2003 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227864 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2003 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227864 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 8/XX/2003 | NY | Primary | Refinance - UTD | C |  |  | No |
| 2965227864 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227864 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | NY | Primary | Refinance - UTD | D |  |  | No |
| 2965227864 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227864 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227864 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227145 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227145 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227145 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227145 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227145 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227145 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227145 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227343 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227501 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | 5% late charge exceeds 2% maximum per state (NY). |  |  |  |  |  |  | 2 | 9/XX/2008 | NY | Primary | Purchase | B |  |  | No |
| 2965226801 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | NY | Primary | Purchase | B |  |  | No |
| 2965226801 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | NY | Primary | Purchase | B |  |  | No |
| 2965226801 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $718,477.66 is underdisclosed from calculated Finance Charge of $732,459.95 in the amount of $13,982.29. | Under disclosure is due to the lender utilizing an index value of 4.011% per the closing instructions, however the lowest index value available in the lookback period is 4.1425%. |  |  |  |  |  |  | 3 | 4/XX/2006 | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227211 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227211 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227211 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227779 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227779 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227779 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227779 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227576 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | NY | Primary | Purchase | B |  |  | No |
| 2965227576 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | NY | Primary | Purchase | B |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | 4% late charge exceeds 2% maximum per state (NY). |  |  |  |  |  |  | 2 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2008, prior to three (3) business days from transaction date of 03/XX/2008. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227292 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NY | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227724 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227606 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $242,025.69 is underdisclosed from calculated Finance Charge of $242,128.86 in the amount of $103.17. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 11/XX/1998 | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227647 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | NY | Primary | Purchase | B |  |  | No |
| 2965227647 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | NY | Primary | Purchase | C |  |  | No |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Grace Period Testing | Note grace period less than minimum per state. | 10 day grace period is less than 15 day minimum per state of NY. |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | Greater of $10 or 5% late charge exceeds maximum 2% per state of NY. |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227877 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227225 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | NY | Primary | Refinance - UTD | C |  |  | No |
| 2965227225 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227225 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227225 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 7/XX/2005 | NY | Primary | Refinance - UTD | C |  |  | No |
| 2965227225 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227225 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | NY | Primary | Refinance - UTD | D |  |  | No |
| 2965227225 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227225 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Note late charge exceeds maximum per state. | 5% late charge exceeds 2% maximum per state (NY). |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Refinance - UTD | B |  |  | No |
| 2965227225 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | NY | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227358 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227358 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227358 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227358 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227007 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227007 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227007 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $168,364.63 is underdisclosed from calculated Finance Charge of $168,579.72 in the amount of $215.09. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 1/XX/2003 | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227626 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227734 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $225,899.28 is underdisclosed from calculated Finance Charge of $226,003.32 in the amount of $104.04. | Unable to determine fee portion under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 3/XX/2007 | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227685 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227685 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227685 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227818 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $126,964.62 is underdisclosed from calculated Finance Charge of $127,417.96 in the amount of $453.34. | TIL itemization did not disclose an Attorney fee of $400.00 or a tax service fee of $79.00 as a prepaid finance charge. |  |  |  |  |  |  | 3 | 7/XX/2001 | NY | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227310 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227310 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227310 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2005, prior to three (3) business days from transaction date of 06/XX/2005. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227310 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227310 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227310 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $670,908.37 is underdisclosed from calculated Finance Charge of $690,135.40 in the amount of $19,227.03. | Approval shows that the Index used was 2.504% but the lowest Index in the Drop Down is 2.6333%. |  |  |  |  |  |  | 3 | 6/XX/2005 | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227762 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227504 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | PA | Primary | Purchase | B |  |  | No |
| 2965227504 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | PA | Primary | Purchase | B |  |  | No |
| 2965227504 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - LO Company NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. |  |  |  |  |  |  |  | 2 | 7/XX/2013 | PA | Primary | Purchase | B |  |  | No |
| 2965227668 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227617 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | PA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227617 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | PA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227617 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | PA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227617 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 5/XX/2007 | PA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227384 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | PA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227384 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $530,811.22 is underdisclosed from calculated Finance Charge of $530,846.33 in the amount of $35.11. | Closing protection letter of $35 was not included in the prepaid finance charges of the Itemization of Amount Financed, this is the cause of the variance. |  |  |  |  |  |  | 3 | 6/XX/2006 | PA | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 04/XX/2007 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/XX): HUD provided. | 11/26/2019 |  |  |  | 1 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/XX): HUD provided. | 11/26/2019 |  |  |  | 1 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/XX): HUD provided. | 11/26/2019 |  |  |  | 1 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227050 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227050 | XXX | XXX | XXX | XXX | 11/26/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227399 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227399 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | PA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227399 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2004, prior to three (3) business days from transaction date of 10/XX/2004. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227399 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 10/XX/2004 | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227399 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $147,337.47 is underdisclosed from calculated Finance Charge of $151,788.23 in the amount of $4,450.76. | TIL itemization did not disclose a CPL Fee of $35 and Broker Fee of $350 as prepaid finance charges; also, a Settlement/Misc Fee of $115.50 was listed on Itemization that was not charged on the HUD. Payment stream portion of under disclosure is due to index; unable to determine index used by lender. Minimum index available within lookback period used for testing purposes. |  |  |  |  |  |  | 3 | 10/XX/2004 | PA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227729 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2002 | PA | Primary | Purchase | B |  |  | No |
| 2965227845 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | PA | Primary | Purchase | B |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2010 | PA | Primary | Purchase | C |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  | 2 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2010 | PA | Primary | Purchase | C |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2010 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | Yes |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | Unable to determine Servicing Disclosure Statement was provided due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | No |
| 2965227426 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 7/XX/2010 | PA | Primary | Purchase | B |  |  | No |
| 2965227871 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2003 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227871 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227871 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227871 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2003, prior to three (3) business days from transaction date of 03/XX/2003. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | PA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227869 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2009 | PA | Primary | Purchase | B |  |  | No |
| 2965227869 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2009 | PA | Primary | Purchase | B |  |  | No |
| 2965227869 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2009 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2009 | PA | Primary | Purchase | B |  |  | No |
| 2965227869 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 4/XX/2009 | PA | Primary | Purchase | D |  |  | No |
| 2965227869 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 4/XX/2009 | PA | Primary | Purchase | B |  |  | No |
| 2965227429 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227429 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227429 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227829 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | PA | Primary | Purchase | B |  |  | No |
| 2965227829 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | PA | Primary | Purchase | B |  |  | No |
| 2965227829 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | PA | Primary | Purchase | B |  |  | No |
| 2965227548 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | DE | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227548 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 12/XX/2007 | DE | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227464 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2007 | DC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227464 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | It is not date with the signature. |  |  |  |  |  |  | 3 | 2/XX/2007 | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227464 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227464 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227464 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date and RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | DC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227464 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | DC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227464 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm when borrower received. |  |  |  |  |  |  | 3 | 2/XX/2007 | DC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227705 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2009 | DC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227226 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | VA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227226 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227226 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227226 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | VA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227226 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | VA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227226 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $667,062.81 is underdisclosed from calculated Finance Charge of $725,658.26 in the amount of $58,595.45. | Under disclosure is due to the lender utilizing an index value of 3.46% per the Approval, however the lowest index value available in the look back period is 3.790%. |  |  |  |  |  |  | 3 | 5/XX/2006 | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227226 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227226 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 5/XX/2006 | VA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227226 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.56000% is underdisclosed from calculated APR of 6.85409% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.46% per the Approval, however the lowest index value available in the look back period is 3.790%. |  |  |  |  |  |  | 3 | 5/XX/2006 | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227445 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227445 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227445 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227445 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227445 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227445 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227445 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227445 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $600,738.26 is underdisclosed from calculated Finance Charge of $616,273.39 in the amount of $15,535.13. | Under disclosure is due to the lender utilizing an index value of 3.4600% per the loan approval, however the lowest index value available in the lookback period is 3.5600%. |  |  |  |  |  |  | 3 | 4/XX/2006 | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227674 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2001 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227674 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 5/XX/2001 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227674 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2001 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227674 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 5/XX/2001 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227674 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 5/XX/2001 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227666 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227666 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227486 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227486 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227486 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227486 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $827,635.77 is underdisclosed from calculated Finance Charge of $827,939.17 in the amount of $303.40. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 1/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227486 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA Notice of Right to Cancel Expiration Date greater than Deal Start Date. | Unable to determine if Rescission expiration date provided by lender on Notice of Right to Cancel has expired as of time of review due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227486 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227486 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | (Doc Error) RTC Error: Right to Cancel expiration date is blank. |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227381 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227417 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | MD | Primary | Purchase | B |  |  | No |
| 2965227417 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227417 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2004 | MD | Primary | Purchase | C |  |  | No |
| 2965227417 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2004 | MD | Primary | Purchase | C |  |  | No |
| 2965227417 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227154 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227154 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227154 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227154 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227821 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227357 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227357 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227357 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Maryland Prepayment Penalty Test | Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Effective June 1, 2008, a lender may not require or authorize the imposition of a penalty fee, premium, or other charge in<br> the event the mortgage loan48 is prepaid in whole or in part. Md. Code Ann., Comm. Law § 12-105(d).<br> Prior to that date, a prepayment penalty could be charged if the loan was prepaid within three years from the date the<br> loan is made and the penalty did not exceed two months' advance interest on the aggregate amount of all prepayments<br> made in any 12-month period, in excess of 1/3 the amount of the original loan. Md. Code Ann., Comm. Law § 12-<br> 105(c)(4). Further, a prepayment penalty could not be charged if the "effective rate of simple interest"49 exceeded<br> 8%. Md. Code Ann., Comm. Law § 12-103 |  |  |  |  |  |  | 2 | 2/XX/2006 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227357 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227357 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227357 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $319,391.65 is underdisclosed from calculated Finance Charge of $336,112.12 in the amount of $16,720.47. | Under disclosure is due to the lender utilizing an index value of 3.14% per the (document type), <br> however the lowest index value available in the lookback period is 3.36%. |  |  |  |  |  |  | 3 | 2/XX/2006 | MD | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227499 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227499 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | MD | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227499 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $460,975.14 is underdisclosed from calculated Finance Charge of $461,060.29 in the amount of $85.15. | Unable to determine the source of discrepancy without the TIL Itemization of Amount Financed. The discrepancy appears to be fee related. |  |  |  |  |  |  | 3 | 9/XX/2007 | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227709 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227776 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227776 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Maryland Prepayment Penalty Test | Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP expired. Prepayment charge not allowed per state (MD) - max prepayment charge for MD is two months advance interest on the aggregate amount of all prepayments made in any 12-month period, in excess of 1/3 the amount of the original loan - note states two months advance interest on the aggregate of all prepayments made in any 12-month period in excess of 33% of the amount of the original loan. Lender is XXX. |  |  |  |  |  |  | 2 | 8/XX/2007 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227660 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227660 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Ability to Repay Not Verified | Maryland SB270: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227660 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2008 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227640 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 8/XX/2012 | MD | Primary | Purchase | B |  |  | No |
| 2965227640 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 8/XX/2012 | MD | Primary | Purchase | B |  |  | No |
| 2965227640 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  | 2 | 8/XX/2012 | MD | Primary | Purchase | B |  |  | Yes |
| 2965227640 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2012 | MD | Primary | Purchase | B |  |  | No |
| 2965227640 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. |  |  |  |  |  |  |  | 2 | 8/XX/2012 | MD | Primary | Purchase | B |  |  | No |
| 2965227640 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA 3-day Waiting Period - Corrected TIL for APR Inaccuracy Received Less than 3 Business Days from Consummation | Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. |  |  |  |  |  |  |  | 3 | 8/XX/2012 | MD | Primary | Purchase | B |  |  | No |
| 2965227640 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $146,301.80 is underdisclosed from calculated Finance Charge of $147,661.98 in the amount of $1,360.18. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 8/XX/2012 | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227640 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  | 2 | 8/XX/2012 | MD | Primary | Purchase | B |  |  | No |
| 2965227630 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227630 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227630 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227630 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227630 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227630 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227630 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227479 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2005 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227479 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227479 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227479 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227479 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227479 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227479 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | MD | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227479 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $285,611.04 is underdisclosed from calculated Finance Charge of $285,701.03 in the amount of $89.99. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 8/XX/2005 | MD | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227846 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | MD | Primary | Purchase | C |  |  | No |
| 2965227846 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227846 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227846 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227846 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227535 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2003 | MD | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227535 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2003 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227535 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2003 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227535 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 4/XX/2003 | MD | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227535 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2003 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227535 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2003 | MD | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227535 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 4/XX/2003 | MD | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227619 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227619 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227619 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $318,248.27 is underdisclosed from calculated Finance Charge of $318,428.71 in the amount of $180.44. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 1/XX/2007 | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227619 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | MD | Primary | Purchase | C |  |  | No |
| 2965227410 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227410 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Maryland Prepayment Penalty Test | Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | Prepayment penalty is expired. Not permitted per state (MD). |  |  |  |  |  |  | 2 | 4/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227410 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227410 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227410 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $332,459.26 is underdisclosed from calculated Finance Charge of $346,309.41 in the amount of $13,850.15. | Under disclosure is due to the lender utilizing an index value of 3.46% per the Approval, however the lowest index value available in the look back period is 3.660%. |  |  |  |  |  |  | 3 | 4/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227581 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227581 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227581 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227581 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227581 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2003, prior to three (3) business days from transaction date of 08/XX/2003. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227581 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227844 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | Loan file does not contain any origination docs. |  | Reviewer Comment (2019/XX/XX): Additional images received. | 11/26/2019 |  |  |  | 1 | 6/XX/2008 | VA | Primary | Purchase | A |  |  | No |
| 2965227844 | XXX | XXX | XXX | XXX | 11/27/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2008 | VA | Primary | Purchase | C |  |  | No |
| 2965227844 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2008 | VA | Primary | Purchase | B |  |  | No |
| 2965227844 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | VA | Primary | Purchase | B |  |  | No |
| 2965227844 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | VA | Primary | Purchase | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2009 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.88690% or Final Disclosure APR of 4.88900% is in excess of allowable threshold of APOR 3.38% + 1.5%, or 4.88000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  |  |  |  | 3 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan: Mandatory escrow account not established on 1st lien mortgage loan. |  |  |  |  |  |  |  | 3 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Ability to Repay Not Verified) | Federal Higher Priced Mortgage Loan: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 3 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2013 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2012 which is 2 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $379,588.84 is underdisclosed from calculated Finance Charge of $379,733.85 in the amount of $145.01. | Itemization of Amount Financed (Contained In Note/TIL) does not list the 145 Attorney fee in the Prepaid Finance charges. |  |  |  |  |  |  | 3 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227546 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2013, prior to three (3) business days from transaction date of 02/XX/2013. |  |  |  |  |  |  |  | 3 | 2/XX/2013 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227296 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226817 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226817 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227597 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2002 | VA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227597 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2002 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227597 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $113,351.12 is underdisclosed from calculated Finance Charge of $113,699.56 in the amount of $348.44. | TIL itemization did not disclose a release tracking fee of $19, a settlement fee of $300 and a courier fee of $45 as prepaid finance charge. |  |  |  |  |  |  | 3 | 6/XX/2002 | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227290 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2012 | VA | Primary | Purchase | C |  |  | No |
| 2965227290 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 7/XX/2012 | VA | Primary | Purchase | B |  |  | No |
| 2965227290 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  | 2 | 7/XX/2012 | VA | Primary | Purchase | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | Yes |
| 2965227290 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 7/XX/2012 | VA | Primary | Purchase | B |  |  | No |
| 2965227290 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $127,955.82 is underdisclosed from calculated Finance Charge of $128,643.94 in the amount of $688.12. | Under disclosure is fee related. Itemization not provided. Unable to verify reason for under disclosure without the Itemization. |  |  |  |  |  |  | 3 | 7/XX/2012 | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227290 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 7/XX/2012 | VA | Primary | Purchase | B |  |  | No |
| 2965227290 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2012 | VA | Primary | Purchase | B |  |  | Yes |
| 2965227290 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 7/XX/2012 | VA | Primary | Purchase | B |  |  | No |
| 2965227692 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2011 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  | 2 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2011, prior to three (3) business days from transaction date of 12/XX/2011. |  |  |  |  |  |  |  | 3 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227488 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 12/XX/2011 | VA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227832 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2001 | WV | Primary | Purchase | C |  |  | No |
| 2965227832 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2001 | WV | Primary | Purchase | C |  |  | No |
| 2965227832 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2001 | WV | Primary | Purchase | B |  |  | No |
| 2965227832 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 8/XX/2001 | WV | Primary | Purchase | C |  |  | No |
| 2965227832 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2001 | WV | Primary | Purchase | B |  |  | No |
| 2965227832 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2001 | WV | Primary | Purchase | B |  |  | No |
| 2965227832 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2001 | WV | Primary | Purchase | B |  |  | No |
| 2965227291 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | WV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227291 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $165,098.50 is underdisclosed from calculated Finance Charge of $165,486.44 in the amount of $387.94. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 2/XX/2005 | WV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227291 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 3 | 2/XX/2005 | WV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227291 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2005 | WV | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227291 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | (Doc Error) RTC Error: Right to Cancel expiration date is blank. |  |  |  |  |  |  |  |  | 3 | 2/XX/2005 | WV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227291 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. |  |  |  |  |  |  |  | 3 | 2/XX/2005 | WV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227151 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 7/XX/2012 | NC | Primary | Purchase | B |  |  | No |
| 2965227151 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 7/XX/2012 | NC | Primary | Purchase | B |  |  | No |
| 2965227151 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $108,178.20 is underdisclosed from calculated Finance Charge of $108,390.25 in the amount of $212.05. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 7/XX/2012 | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226973 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $197,986.96 is underdisclosed from calculated Finance Charge of $198,385.70 in the amount of $398.74. | Under disclosure is fee related. No itemization was provided. However, the only fee paid by borrower is Attorney's Fee $398.74. |  |  |  |  |  |  | 3 | 9/XX/2007 | NC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227011 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NC | Investment | Refinance - Rate/Term | B |  |  | No |
| 2965227011 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NC | Investment | Refinance - Rate/Term | B |  |  | No |
| 2965227011 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Grace Period Testing | Note grace period less than minimum per state. | 10 day grace period is less than 15 days required per state (NC). |  |  |  |  |  |  | 2 | 9/XX/2007 | NC | Investment | Refinance - Rate/Term | B |  |  | Yes |
| 2965227011 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | North Carolina First Lien Late Charge Percent Testing | Note late charge exceeds maximum per state. | 6% late charge is greater than 4% maximum per state (NC). |  |  |  |  |  |  | 2 | 9/XX/2007 | NC | Investment | Refinance - Rate/Term | B |  |  | Yes |
| 2965226845 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965226845 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965227266 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965227266 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965227525 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 9/XX/2010 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226791 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2010 | NC | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2965226791 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2010 | NC | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2965226791 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2010 | NC | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2965227801 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2002 | SC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227801 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2002 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226988 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226988 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226988 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226988 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 12.08000% is underdisclosed from calculated APR of 12.26556% outside of 0.125% tolerance. | Under disclosure due to discrepancy in payment amount on Note. Payment per Note is $1426.33. Calculated payment is $1449.04. |  |  |  |  |  |  | 3 | 11/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226988 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $72,059.40 is underdisclosed from calculated Finance Charge of $72,260.22 in the amount of $200.82. | The TIL itemization did not include the following fee(s) as prepaid finance charges: Attorney's Fee $200.00. |  |  |  |  |  |  | 3 | 11/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226988 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2006, prior to three (3) business days from transaction date of 11/XX/2006. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226988 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226988 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina CHL Complaint Agency Disclosure Timing Test | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227044 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 10/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227044 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 10/XX/2011 | SC | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965227044 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 10/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227044 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  | 2 | 10/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227044 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 10/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227044 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 10/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227044 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 10/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227044 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 10/XX/2011 | SC | Primary | Purchase | B |  |  | Yes |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2011 | SC | Primary | Purchase | C |  |  | No |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | RESPA (2010): Interest Rate on GFE does not match Note. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Purchase | B |  |  | Yes |
| 2965227837 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $171,748.12 is underdisclosed from calculated Finance Charge of $172,971.65 in the amount of $1,223.53. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 8/XX/2011 | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227152 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | SC | Primary | Purchase | C |  |  | No |
| 2965227152 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | SC | Primary | Purchase | B |  |  | Yes |
| 2965226850 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226850 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | SC | Primary | Purchase | B |  |  | Yes |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2011 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | Yes |
| 2965226888 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 8/XX/2011 | SC | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226998 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $79,545.71 is underdisclosed from calculated Finance Charge of $79,595.78 in the amount of $50.07. | Itemization of Amount Financed, (included in the Note/TIL) does not list the $50 Attorney fee in the Prepaid Finance Charges. |  |  |  |  |  |  | 3 | 3/XX/1998 | SC | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227757 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | SC | Primary | Purchase | B |  |  | Yes |
| 2965226795 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965226795 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965226795 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | SC | Primary | Purchase | B |  |  | Yes |
| 2965226795 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $127,210.40 is underdisclosed from calculated Finance Charge of $128,393.95 in the amount of $1,183.55. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 7/XX/2011 | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226795 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS license status not approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965226795 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - Individual LO NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match NMLSR. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | SC | Primary | Purchase | B |  |  | No |
| 2965226972 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | SC | Primary | Purchase | B |  |  | Yes |
| 2965226972 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226886 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2001 | SC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226886 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2001 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226886 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2001 | SC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227298 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227298 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227298 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227298 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227298 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227298 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | Yes |
| 2965227298 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227298 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $245,105.78 is underdisclosed from calculated Finance Charge of $245,310.86 in the amount of $205.08. | The TIL itemization did not include the following fee(s) as prepaid finance charges: Attorney's Fee $200.00. |  |  |  |  |  |  | 3 | 5/XX/2007 | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227112 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227112 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227112 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227112 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 6/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965226884 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226884 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226884 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226919 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965226919 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | GA | Primary | Purchase | D |  |  | No |
| 2965226919 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965226919 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965226919 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 8/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965226919 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | GA | Primary | Purchase | C |  |  | No |
| 2965227081 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 2/XX/2002 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227081 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2002 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227081 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 3 | 2/XX/2002 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227077 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | GA | Primary | Purchase | C |  |  | No |
| 2965227077 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227077 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 11/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227077 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227077 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226983 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226983 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226983 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226983 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2007, prior to three (3) business days from transaction date of 10/XX/2007. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | GA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227377 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | GA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227377 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 12/XX/2005 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227377 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227377 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227377 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | GA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226950 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $155,748.43 is underdisclosed from calculated Finance Charge of $156,068.20 in the amount of $319.77. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 5/XX/2003 | GA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226893 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226893 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | GA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227199 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | GA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227199 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227199 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227199 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227199 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227199 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227199 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227199 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227199 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227199 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227691 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2004 | GA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227691 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2004 | GA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227337 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2006 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227337 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | GA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227337 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227337 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $281,899.88 is underdisclosed from calculated Finance Charge of $282,366.34 in the amount of $466.46. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 9/XX/2006 | GA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227337 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 9/XX/2006 | GA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226952 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965226952 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965226964 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2004 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226844 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2002 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227430 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227430 | XXX | XXX | XXX | XXX | 11/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226903 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2007 | FL | Primary | Purchase | C |  |  | No |
| 2965226903 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 2/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965226903 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 2/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965226903 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965226903 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | FL | Primary | Purchase | D |  |  | No |
| 2965226903 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965226903 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226903 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226903 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965226986 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226986 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226986 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226986 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226986 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226986 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226986 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $306,913.49 is underdisclosed from calculated Finance Charge of $319,811.01 in the amount of $12,897.52. | Under disclosure is due to the lender utilizing an index value of 2.520% per the approval, however the lowest index value available in the look back period is 2.70%, in addition the Final TIL Finance Charge is under-disclosed due to incorrect payment stream between Final TIL and actual TIL calculation. |  |  |  |  |  |  | 3 | 6/XX/2005 | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227037 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $319,526.51 is underdisclosed from calculated Finance Charge of $323,078.96 in the amount of $3,552.45. | Under disclosure is due to the lender utilizing an index value of 4.490% per the approval, however the lowest index value available in the look back period is 4.600%, in addition the Final TIL Finance Charge is under-disclosed due to incorrect payment stream between Final TIL and actual TIL calculation. |  |  |  |  |  |  | 3 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227037 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227037 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227037 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227823 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227823 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227823 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227823 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227823 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227823 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227823 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227823 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | FL | UTD | Purchase | C |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2005 | FL | UTD | Purchase | B |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2005 | FL | UTD | Purchase | B |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 10/XX/2005 | FL | UTD | Purchase | B |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | FL | UTD | Purchase | B |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | FL | UTD | Purchase | D |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | FL | UTD | Purchase | B |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | FL | UTD | Purchase | B |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | FL | UTD | Purchase | No Defined Cure B |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | FL | UTD | Purchase | No Defined Cure B |  |  | No |
| 2965226993 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | FL | UTD | Purchase | B |  |  | No |
| 2965226882 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227629 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965227629 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227629 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226857 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | FL | Primary | Purchase | C |  |  | No |
| 2965226857 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965226857 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965226857 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965226857 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | FL | Primary | Purchase | D |  |  | No |
| 2965226857 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965227299 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Purchase | B |  |  | No |
| 2965226908 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226948 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2009 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226948 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 1/XX/2009 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227073 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227073 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226978 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965227157 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227157 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227157 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227157 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $218,095.18 is underdisclosed from calculated Finance Charge of $230,014.99 in the amount of $11,919.81. | Loan approval indicates the Index used was 4.774%. The closest Index available in our look-back period is 4.9967%. |  |  |  |  |  |  | 3 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227157 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227157 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 10/XX/2006 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226793 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | FL | Primary | Purchase | B |  |  | No |
| 2965226793 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226793 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227230 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227230 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227230 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227230 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $146,691.25 is underdisclosed from calculated Finance Charge of $148,284.34 in the amount of $1,593.09. | Under disclosure is due to the lender utilizing an index value of 4.730% per the loan approval, however the lowest index value available in the lookback period is 4.790%. |  |  |  |  |  |  | 3 | 4/XX/2007 | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226899 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226899 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $468,852.07 is underdisclosed from calculated Finance Charge of $493,771.89 in the amount of $24,919.82. | Under disclosure is due to the lender utilizing an index value of 3.560% per the Loan Commitment and Approval, however the lowest index value available in the look back period is 3.790%. |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226944 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226944 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226944 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $509,669.27 is underdisclosed from calculated Finance Charge of $534,605.42 in the amount of $24,936.15. | It appears a lower Index was used at origination on approval is 3.46% lowest Index available within the look-back period is 3.66% |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226944 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226944 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226944 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 5/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226958 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $405,648.21 is underdisclosed from calculated Finance Charge of $429,933.40 in the amount of $24,285.19. | Under disclosure of $24,285.19 is due to the lender utilizing an index value of 3.240% per the Approval, however the lowest index value available in the look back period is 3.460%. |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226916 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 4/XX/2007 | FL | Primary | Refinance - Cash-out - Home Improvement | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226916 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | FL | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965226939 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2004 | FL | UTD | UTD - UTD | C |  |  | No |
| 2965226939 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226939 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | FL | UTD | UTD - UTD | D |  |  | No |
| 2965226939 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226939 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226939 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226939 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 2 | 10/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226939 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226939 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226939 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 10/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965227009 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2006 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227009 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227009 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227009 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 02/XX/2006, prior to three (3) business days from transaction date of 02/XX/2006. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227009 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2010 | FL | Primary | Purchase | C |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE and HUD 10% Fees without a cure due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 801) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 1/HUD 801 Fees without a cure due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 2/HUD 802 Fees without a cure due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block 8/HUD 1203 Transfer Tax Fees without a cure due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | Unable to determine if there was a variance between the Final GFE and the Final HUD-1 for GFE Block A/HUD 803 Fees without a cure due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | Unable to test GFE Estimate Available Through Date due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | Unable to determine if the Good Faith Estimate column on page 3 of the Final HUD-1 is accurate as compared to the most recently disclosed Good Faith Estimate due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Incorrect GFE Form Used | RESPA (2010) - Good Faith Estimate not on the proper 2010 GFE form. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final GFE Inaccurate | Unable to determine if the Final GFE indicates the loan contains an escrow payment due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on GFE Inaccurate | Unable to determine if the Final GFE reflects the actual interest rate due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | Unable to determine if the Final GFE reflects the actual Loan Amount due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final GFE Inaccurate | Unable to determine if the Final GFE reflects the actual Loan Term due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | Unable to determine if the Final GFE reflects the actual payment due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate | Unable to determine if the HUD-1 column on page 3 of the Final HUD-1 is accurate as compared to the charges on page 2 of the disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Existence of Escrow Account on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 indicates the loan contains an escrow payment due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Interest Rate on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual interest rate due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual Loan Amount due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Term on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual Loan Term due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | Unable to determine if the Final HUD-1 reflects the actual payment due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Incorrect HUD-1 Form Used | Unable to determine if the Final HUD-1 Settlement Statement is on the proper 2010 form due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | Unable to determine if the Good Faith Estimate was provided due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 2/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965227153 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227153 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227153 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227153 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227153 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227153 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 9/XX/2005 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227153 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $222,014.20 is underdisclosed from calculated Finance Charge of $232,281.06 in the amount of $10,266.86. | Under disclosure is due to the lender utilizing an index value of 2.70% per the Approval, however the lowest index value available in the lookback period is 2.89%. |  |  |  |  |  |  | 3 | 9/XX/2005 | FL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227817 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | FL | Primary | Refinance - Rate/Term | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | Yes |
| 2965227817 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227817 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227817 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227817 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 3/XX/2013 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227817 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  | 3 | 3/XX/2013 | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226812 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965226812 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965226812 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 7.29200% is underdisclosed from calculated APR of 7.59189% outside of 0.125% tolerance. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226812 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $153,276.46 is underdisclosed from calculated Finance Charge of $157,602.66 in the amount of $4,326.20. | Lump sum seller credit of $6510 reflected on HUD-1, however the loan file does not itemize which fees this credit is applied to so it has not been included in testing. |  |  |  |  |  |  | 3 | 7/XX/2006 | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226831 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965226831 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965226831 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965226831 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965226831 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965226831 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $350,382.47 is underdisclosed from calculated Finance Charge of $368,928.97 in the amount of $18,546.50. | Under disclosure is due to the lender utilizing an index value of 3.36% per the loan approval, however the lowest index value available in the lookback period is 3.56%. |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226831 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965226876 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2010 | FL | Primary | Purchase | C |  |  | No |
| 2965226876 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 5/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965226876 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 5/XX/2010 | FL | Primary | Purchase | B |  |  | No |
| 2965227005 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227005 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227005 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227030 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227030 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226829 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226829 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | FL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226959 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | AL | Primary | Purchase | B |  |  | No |
| 2965226959 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2007 | AL | Primary | Purchase | C |  |  | No |
| 2965227570 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 6/XX/2009 | AL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227570 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 6/XX/2009 | AL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227631 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | AL | Primary | Purchase | B |  |  | No |
| 2965227631 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Safe Act | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | AL | Primary | Purchase | Need evidence that lender provided consumer with accurate NMLS information post close (updated 1003) B |  |  | Yes |
| 2965227631 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 7/XX/2011 | AL | Primary | Purchase | B |  |  | No |
| 2965227631 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $118,519.20 is underdisclosed from calculated Finance Charge of $120,215.77 in the amount of $1,696.57. | Unable to determine reason for under compliance - itemization of amount financed not found in file |  |  |  |  |  |  | 3 | 7/XX/2011 | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227819 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | AL | Primary | Refinance - Limited Cash-out GSE | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227819 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | AL | Primary | Refinance - Limited Cash-out GSE | B |  |  | No |
| 2965227615 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 9/XX/2011 | AL | Primary | Purchase | B |  |  | No |
| 2965227615 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – Written Service Provider List Missing | RESPA (2010): Borrower not provided with list of service providers. |  |  |  |  |  |  |  | 2 | 9/XX/2011 | AL | Primary | Purchase | B |  |  | No |
| 2965227615 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 9/XX/2011 | AL | Primary | Purchase | B |  |  | No |
| 2965227615 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $110,235.12 is underdisclosed from calculated Finance Charge of $110,830.67 in the amount of $595.55. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 9/XX/2011 | AL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227615 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 9/XX/2011 | AL | Primary | Purchase | B |  |  | No |
| 2965227615 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  |  |  |  |  |  | 2 | 9/XX/2011 | AL | Primary | Purchase | B |  |  | Yes |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2010 | TN | UTD | Purchase | C |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing |  |  |  |  |  |  |  |  | 3 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2010 | TN | UTD | Purchase | C |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2010 | TN | UTD | Purchase | C |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2010 | TN | UTD | Purchase | C |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | FHA MIP | Document Error | FHA MIP | Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. |  |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 8/XX/2010 | TN | UTD | Purchase | A |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2010 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 8/XX/2010 | TN | UTD | Purchase | A |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 8/XX/2010 | TN | UTD | Purchase | A |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 8/XX/2010 | TN | UTD | Purchase | A |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 8/XX/2010 | TN | UTD | Purchase | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 2965227020 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2010 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/25/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/25/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | No |
| 2965227020 | XXX | XXX | XXX | XXX | 11/25/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | Unable to determine if the initial escrow account statement is compliant based on missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2010 | TN | UTD | Purchase | B |  |  | Yes |
| 2965227870 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2008 | TN | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227870 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227870 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227870 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2008, prior to three (3) business days from transaction date of 05/XX/2008. |  |  |  |  |  |  |  | 3 | 5/XX/2008 | TN | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227870 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227870 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227870 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Tennessee Prepayment Penalty Test | Tennessee Prepayment Penalty: Loan contains prepayment penalty which is not disclosed on the Note in bold language separated from other language by bold dividing lines. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | TN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227870 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2008 | TN | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227870 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2008 | TN | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227220 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2004 | TN | Primary | Purchase | B |  |  | No |
| 2965227220 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2004 | TN | Primary | Purchase | B |  |  | No |
| 2965227048 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | MS | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227048 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227048 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | MS | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227519 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | MS | Primary | Purchase | C |  |  | No |
| 2965227505 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 5/XX/2012 | KY | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965227505 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  |  |  |  |  |  | 2 | 5/XX/2012 | KY | Primary | Refinance - Rate/Term | Provide the following: Letter of Explanation, Proof of Delivery, and Refund check B |  |  | No |
| 2965227505 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 5/XX/2012 | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227505 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  |  |  |  |  |  | 2 | 5/XX/2012 | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227505 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - First Change Date on GFE Inaccurate | RESPA (2010): First Change Date on GFE does not match First Change Date on Note. |  |  |  |  |  |  |  | 2 | 5/XX/2012 | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227505 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 5/XX/2012 | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227505 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 5/XX/2012 | KY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227733 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | KY | Primary | Purchase | B |  |  | No |
| 2965227733 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | KY | Primary | Purchase | B |  |  | No |
| 2965227733 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | KY | Primary | Purchase | B |  |  | No |
| 2965226942 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/1999 | KY | Primary | Purchase | C |  |  | No |
| 2965226942 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/1999 | KY | Primary | Purchase | B |  |  | No |
| 2965226942 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/1999 | KY | Primary | Purchase | B |  |  | No |
| 2965226942 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/1999 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/1999 | KY | Primary | Purchase | B |  |  | No |
| 2965226942 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 6/XX/1999 | KY | Primary | Purchase | D |  |  | No |
| 2965226942 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 6/XX/1999 | KY | Primary | Purchase | B |  |  | No |
| 2965226942 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/1999 | KY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226942 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/1999 | KY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226942 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/1999 | KY | Primary | Purchase | B |  |  | No |
| 2965227155 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | OH | Investment | Purchase | B |  |  | No |
| 2965226820 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226820 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2006 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/XX): Received Final HUD-1 | 12/02/2019 |  |  |  | 1 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/XX): Received HUd. Replaced exception with version indicating fees were used in testing. | 12/02/2019 |  |  |  | 1 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Ohio Standard Prepayment Penalty SMLA | Ohio Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP expired. Prepayment penalty IS permissible per state of OH as this is not a 2nd mortgage transaction. Prepayment penalty of 1% of original balance within the first 5 years is permitted on a 1st mortgage transaction - Note states prepayment penalty is 1% of original balance for the first 36 months. Lender is XXX. |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227195 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/XX): Received Final TIL | 12/02/2019 |  |  |  | 1 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No |
| 2965227195 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227497 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227497 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | OH | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226839 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226839 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226839 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | OH | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227209 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227209 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227209 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Ability to Repay not Verified) | Ohio Consumer Sales Practices Act: Borrower's ability to repay not verified with reliable documentation. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227209 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227209 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227209 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | OH | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227755 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2004 | IN | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227755 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2004 | IN | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227755 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2004 | IN | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227755 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2004 | IN | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227755 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2004 | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227755 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227755 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227755 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2004 | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227755 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $142,056.17 is underdisclosed from calculated Finance Charge of $145,769.80 in the amount of $3,713.63. | § Under disclosure is due to the lender's TIL reflecting MI being in force for 165 months, however based on the loan amount and appraised value the MI would be in force for 360 months. |  |  |  |  |  |  | 3 | 4/XX/2004 | IN | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227135 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | IN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227135 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | IN | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227139 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 06/XX/2006, prior to three (3) business days from transaction date of 06/XX/2006. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227466 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 10/XX/2003 | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227187 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2001 | IN | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227187 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2001 | IN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227187 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2001 | IN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227187 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 8/XX/2001 | IN | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227235 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | IN | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227235 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227235 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227235 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227235 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2019/XX/XX): Additional image package received. | 11/25/2019 |  |  |  | 1 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/XX): Additional image package received. | 11/25/2019 |  |  |  | 1 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | Loan file only contains the security instrument. |  | Reviewer Comment (2019/XX/XX): Additional image package received. | 11/25/2019 |  |  |  | 1 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  |  | 11/25/2019 |  |  |  | 1 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing |  |  |  | Reviewer Comment (2019/XX/XX): Additional image package received. | 11/25/2019 |  |  |  | 1 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  | Reviewer Comment (2019/XX/XX): Additional image package received. | 11/25/2019 |  |  |  | 1 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226951 | XXX | XXX | XXX | XXX | 11/27/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2003 | IN | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227865 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2002 | MI | Primary | Refinance - UTD | C |  |  | No |
| 2965227865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2002 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2002 | MI | Primary | Refinance - UTD | B |  |  | No |
| 2965227865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 11/XX/2002 | MI | Primary | Refinance - UTD | D |  |  | No |
| 2965227865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 11/XX/2002 | MI | Primary | Refinance - UTD | B |  |  | No |
| 2965227865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2002 | MI | Primary | Refinance - UTD | No Defined Cure B |  |  | No |
| 2965227865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2002 | MI | Primary | Refinance - UTD | No Defined Cure B |  |  | No |
| 2965227865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 11/XX/2002 | MI | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 11/XX/2002 | MI | Primary | Refinance - UTD | B |  |  | No |
| 2965227314 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2004 | MI | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227314 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 2/XX/2004 | MI | Primary | Purchase | B |  |  | No |
| 2965227362 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2001 | MI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227362 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2001 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227362 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 11/XX/2001 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227362 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2001 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227362 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 11/XX/2001 | MI | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227362 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 11/XX/2001 | MI | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227362 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 11/XX/2001 | MI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227362 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 11/XX/2001 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227362 | XXX | XXX | XXX | XXX | 11/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2001 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227283 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227283 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227283 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227283 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227283 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2007 | MI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227493 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MI | Primary | Purchase | B |  |  | No |
| 2965227702 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | MI | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227702 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227702 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227702 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227702 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227702 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227702 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | MI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227702 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | MI | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227130 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227130 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227130 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227130 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227130 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227130 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227130 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | MI | UTD | Refinance - UTD | C |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | MI | UTD | Refinance - UTD | B |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 9/XX/2003 | MI | UTD | Refinance - UTD | D |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | MI | UTD | Refinance - UTD | B |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | MI | UTD | Refinance - UTD | B |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | MI | UTD | Refinance - UTD | B |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | MI | UTD | Refinance - UTD | B |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 9/XX/2003 | MI | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 9/XX/2003 | MI | UTD | Refinance - UTD | B |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2003 | MI | UTD | Refinance - UTD | B |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2003 | MI | UTD | Refinance - UTD | B |  |  | No |
| 2965227849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 9/XX/2003 | MI | UTD | Refinance - UTD | B |  |  | No |
| 2965227185 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2009 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227185 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2009 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227185 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2009 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227614 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | MI | Primary | Purchase | C |  |  | No |
| 2965227614 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | MI | Primary | Purchase | B |  |  | No |
| 2965227704 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2002 | IA | Primary | Purchase | B |  |  | No |
| 2965227704 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 6.00600% is underdisclosed from calculated APR of 6.43151% outside of 0.125% tolerance. | Unable to determine APR underdisclosure cause, as itemization of amount financed is not provided. Appears lender did not disclose any fees as APR affecting. |  |  |  |  |  |  | 3 | 8/XX/2002 | IA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227704 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $93,204.84 is underdisclosed from calculated Finance Charge of $96,993.40 in the amount of $3,788.56. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 8/XX/2002 | IA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227599 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2007 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227599 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227599 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | WI | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227599 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $369,846.84 is underdisclosed from calculated Finance Charge of $370,221.64 in the amount of $374.80. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 10/XX/2007 | WI | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227599 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | WI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227402 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | WI | Primary | Purchase | C |  |  | No |
| 2965227402 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | WI | Primary | Purchase | B |  |  | No |
| 2965227402 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | WI | Primary | Purchase | B |  |  | No |
| 2965227579 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227579 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | WI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227549 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | MN | Primary | Purchase | B |  |  | No |
| 2965227549 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | MN | Primary | Purchase | B |  |  | No |
| 2965227549 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | MN | Primary | Purchase | B |  |  | No |
| 2965227549 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $204,804.16 is underdisclosed from calculated Finance Charge of $205,641.71 in the amount of $837.55. | Fees on HUD all paid by Seller. Under disclosure is a result of the Index. |  |  |  |  |  |  | 3 | 8/XX/2004 | MN | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | A |  |  | No |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | A |  |  | No |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | A |  |  | No |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty) | Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. | PPP Expired. Prepayment charge not allowed per state (MN) - max prepayment charge for MN is the lesser of 60 days interest or 2& on unpaid principal balance with no prepayment penalty upont he sale of the property securing the loan - note states the less of 60 days interest or 2% on unpaid principal balance with no exception for sale of property stated. Lender is XXX. |  |  |  |  |  |  | 2 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/XX): Cleared. | 11/25/2019 |  |  |  | 1 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | A |  |  | No |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227659 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227659 | XXX | XXX | XXX | XXX | 11/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | MN | UTD | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227529 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227529 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227529 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227529 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227622 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 11/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227622 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  |  |  |  |  |  | 2 | 11/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227622 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  |  |  |  |  |  | 2 | 11/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227622 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | Yes |
| 2965227622 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  | 2 | 11/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2008 | IL | Primary | Purchase | B |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2008 | IL | Primary | Purchase | B |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2008 | IL | Primary | Purchase | C |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2008 | IL | Primary | Purchase | B |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/2008 | IL | Primary | Purchase | D |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 10/XX/2008 | IL | Primary | Purchase | B |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 10/XX/2008 | IL | Primary | Purchase | B |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2008 | IL | Primary | Purchase | B |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2008 | IL | Primary | Purchase | C |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2008 | IL | Primary | Purchase | C |  |  | No |
| 2965227552 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2008 | IL | Primary | Purchase | C |  |  | No |
| 2965227772 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | IL | Primary | Purchase | B |  |  | No |
| 2965227772 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | IL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227772 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | IL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227333 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | IL | Primary | Purchase | B |  |  | No |
| 2965227333 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | IL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227333 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | IL | Primary | Purchase | C |  |  | No |
| 2965227333 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP Expired. Prepayment charge not allowed per state IL - It is unlawful per the state of IL to provide a prepayment penalty or other charge for prepayment on any loan secured by a mortgage on residential real estate, if the annual interest rate exceeds 8%; this is an ARM transaction with a max rate of 14.50%. Note states prepayment penalty with be charged on prepayments made in the first 24 months exceeding 20% of original principal amount in any 12 month period; prepayment charge will be 6 months interest on amount prepaid in excess of 20% of original principal balance. Lender is XXX. |  |  |  |  |  |  | 2 | 4/XX/2007 | IL | Primary | Purchase | B |  |  | No |
| 2965227333 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | IL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227671 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | IL | Primary | Purchase | B |  |  | No |
| 2965227671 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | IL | Primary | Purchase | B |  |  | No |
| 2965227534 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227534 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227534 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227534 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $315,927.42 is underdisclosed from calculated Finance Charge of $329,179.47 in the amount of $13,252.05. | Unable to determine under disclosure, it appears lender used an index lower than available within look back. Lowest index within look back is 2.6333%. |  |  |  |  |  |  | 3 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227534 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227534 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227534 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227534 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227534 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | IL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227380 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227380 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | IL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227783 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 8.70600% is underdisclosed from calculated APR of 8.83612% outside of 0.125% tolerance. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227783 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $498,208.24 is underdisclosed from calculated Finance Charge of $501,430.85 in the amount of $3,222.61. | Unable to determine the source of the under disclosure due to the file not containing the Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 9/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | FHA MIP | Document Error | FHA MIP | Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. |  |  |  | Reviewer Comment (2019/XX/XX): Received UFMIP details. | 11/25/2019 |  |  |  | 1 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2010 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/XX): Received HUD-1 with disubrsement date identified. | 11/25/2019 |  |  |  | 1 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/XX): Received Final HUD-1 | 11/25/2019 |  |  |  | 1 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/XX): Received Final HUD-1. Exception cleared and version of exception set that indicates fees were used in testing. | 11/25/2019 |  |  |  | 1 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TIL-MDIA | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227707 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227707 | XXX | XXX | XXX | XXX | 11/25/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2010 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227863 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227863 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227806 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227806 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227806 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $293,602.35 is underdisclosed from calculated Finance Charge of $294,499.47 in the amount of $897.12. | TIL itemization did not disclose an administration fee of $32, a flood fee of $2.50, a processing fee of $600, a closing fee of $150, a tax service fee of $68 and a courier fee of $50 as prepaid finance charges. |  |  |  |  |  |  | 3 | 9/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227794 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227794 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Missouri Prepayment Penalty | Missouri Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP Expired. Prepayment charge not allowed per state MO - max prepayment charge for MO ARM loan is 2- note states 3% 2% 1%. Lender is XXX. |  |  |  |  |  |  | 2 | 9/XX/2005 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227794 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $193,746.54 is underdisclosed from calculated Finance Charge of $193,801.55 in the amount of $55.01. | Unable to determine reason for under disclosure as file is missing the Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 9/XX/2005 | MO | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227424 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | KS | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2004 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/XX): Received HUD with disbursement date | 12/02/2019 |  |  |  | 1 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/XX): Received HUD | 12/02/2019 |  |  |  | 1 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/XX): Received HUD. Replaced exception with version indicating fees were used intesting. | 12/02/2019 |  |  |  | 1 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Late Charge | Louisiana Late Charge Percent Testing | Note late charge exceeds maximum per state. | 6% late charge exceeds 5% maximum per state (LA). |  |  |  |  |  |  | 2 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2019/XX/XX): Received Right to Cancel | 12/02/2019 |  |  |  | 1 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | Yes |
| 2965227694 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/XX): Received TIL | 12/02/2019 |  |  |  | 1 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  | Reviewer Comment (2019/XX/XX): Received stated value from origination. | 12/02/2019 |  |  |  | 1 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (2019/XX/XX): Received evidence of occupancy at origination. | 12/02/2019 |  |  |  | 1 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227694 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $173,475.40 is underdisclosed from calculated Finance Charge of $173,514.88 in the amount of $39.48. | Unable to determine reason for under disclosure due to missing itemization of prepaid finance charges. |  |  |  |  |  |  | 3 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227694 | XXX | XXX | XXX | XXX | 12/02/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 4/XX/2004 | LA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227624 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | LA | Primary | Purchase | B |  |  | No |
| 2965227489 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | Loan file does not contain any origination documentation. |  | Reviewer Comment (2019/XX/X): Received Note and other origination documentation.<br>Reviewer Comment (2019/XX/XX): Additional images received, however the note was not included so unable to perform compliance testing. | 12/02/2019 |  |  |  | 1 | 12/XX/2008 | LA | UTD | Purchase | A |  |  | No |
| 2965227489 | XXX | XXX | XXX | XXX | 12/02/2019 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Only pages 1, 2, 11 and 12 were provided. |  |  |  |  |  |  | 3 | 12/XX/2008 | LA | UTD | Purchase | D |  |  | No |
| 2965227489 | XXX | XXX | XXX | XXX | 12/02/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2008 | LA | UTD | Purchase | C |  |  | No |
| 2965227489 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2008 | LA | UTD | Purchase | B |  |  | No |
| 2965227489 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 12/XX/2008 | LA | UTD | Purchase | B |  |  | No |
| 2965227489 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 12/XX/2008 | LA | UTD | Purchase | B |  |  | No |
| 2965227489 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2008 | LA | UTD | Purchase | B |  |  | No |
| 2965227489 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 12/XX/2008 | LA | UTD | Purchase | D |  |  | No |
| 2965227489 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 12/XX/2008 | LA | UTD | Purchase | B |  |  | No |
| 2965227489 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 12/XX/2008 | LA | UTD | Purchase | B |  |  | No |
| 2965227575 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | LA | Investment | Purchase | C |  |  | No |
| 2965227575 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | LA | Investment | Purchase | B |  |  | No |
| 2965227571 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2003 | LA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227571 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2003 | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227571 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2003 | LA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227684 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | AR | Primary | Purchase | B |  |  | No |
| 2965227684 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | AR | Primary | Purchase | B |  |  | No |
| 2965227168 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2004 | TX | Primary | Purchase | C |  |  | No |
| 2965227168 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 10/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227168 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227168 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227022 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 5/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227022 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227022 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227022 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227022 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227001 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | TX | Primary | Purchase | C |  |  | No |
| 2965227001 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227001 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227001 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 9/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227194 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965227194 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965227194 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | HUD is missing the borrower's side of page 1 - Summary of Borrower's Transaction. |  | Reviewer Comment (2019/XX/XX): Received duplicate copy of HUD already provided that is missing the Borrower's transaciton information on the left side of page 1. Unable to clear. |  |  |  |  | 3 | 8/XX/2003 | TX | Primary | Purchase | D |  |  | No |
| 2965226923 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 7/XX/1999 | TX | Primary | Purchase | B |  |  | No |
| 2965226923 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/1999 | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226923 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $141,597.47 is underdisclosed from calculated Finance Charge of $141,728.97 in the amount of $131.50. | Itemization of Amount Financed does not list the $110 Escrow fee or the $20 Courier Fee in the Prepaid Finance Charges. |  |  |  |  |  |  | 3 | 7/XX/1999 | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226881 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2003 | TX | Primary | Purchase | C |  |  | No |
| 2965226881 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965226881 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965226881 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965226881 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 6/XX/2003 | TX | Primary | Purchase | D |  |  | No |
| 2965226881 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965226881 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965227058 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | TX | Primary | Purchase | C |  |  | No |
| 2965227058 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | TX | Primary | Purchase | C |  |  | No |
| 2965227058 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 11/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227058 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227058 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227058 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or initialed by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 11/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965226971 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2000 | TX | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226971 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2000 | TX | Primary | Refinance - Rate/Term | D |  |  | No |
| 2965226971 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 6/XX/2000 | TX | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226971 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 6/XX/2000 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226971 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Unable to Determine if the prior lien is a Texas 50(a)(6) loan due to missing information) | Unable to determine if the loan is a Previous Texas 50(a)(6) loan due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2000 | TX | Primary | Refinance - Rate/Term | Confirm whether the prior lien on the subject property was a Texas 50(a)(6) or 50(a)(7). If the prior lien was not a 50(a)(6) loan, clear. If the prior lien was a 50(a)(6) the loan needs to be re-reviewed for additional exceptions<br> Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section. B |  |  | No |
| 2965226971 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 6/XX/2000 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226971 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $161,203.37 is underdisclosed from calculated Finance Charge of $161,479.79 in the amount of $276.42. | Unable to determine cause of under-disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 6/XX/2000 | TX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226971 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 6/XX/2000 | TX | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227090 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227090 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227090 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227090 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227090 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227090 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227231 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227231 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227231 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227682 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | TX | Primary | Purchase | C |  |  | No |
| 2965227682 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227682 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227407 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2002 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2002 | TX | Primary | Purchase | B |  |  | No |
| 2965227475 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227475 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | Unable to determine if loan file contains CHARM Booklet due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227475 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | TX | Primary | Purchase | B |  |  | No |
| 2965227475 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | TX | Primary | Purchase | B |  |  | No |
| 2965227330 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227330 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227330 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227330 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227750 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2009 | TX | Primary | Purchase | C |  |  | No |
| 2965227494 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | TX | Primary | Purchase | B |  |  | No |
| 2965227494 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2005 | TX | Primary | Purchase | C |  |  | No |
| 2965227770 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227770 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227770 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226915 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2009 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226915 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 12/XX/2009 | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965226915 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2009 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226915 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2009 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227177 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227177 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | CO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227177 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2007 | CO | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227103 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2003 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2003 | CO | Investment | Purchase | B |  |  | No |
| 2965227091 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | UT | Primary | Purchase | C |  |  | No |
| 2965227091 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $275,265.70 is underdisclosed from calculated Finance Charge of $280,315.15 in the amount of $5,049.45. | The Lender's payment stream reflects the expiration of MI after 120 months. Based on the LTV and loan terms, the MI would be in force for 161 months. |  |  |  |  |  |  | 3 | 1/XX/2008 | UT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227091 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | UT | Primary | Purchase | B |  |  | No |
| 2965227091 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | UT | Primary | Purchase | C |  |  | No |
| 2965226947 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226947 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226947 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226947 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226947 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.43000% is underdisclosed from calculated APR of 7.72512% outside of 0.125% tolerance. | Loan Approval indicates the index used was 3.79%. The closest index available in our look-back period is 4.11%. |  |  |  |  |  |  | 3 | 8/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226947 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $269,573.31 is underdisclosed from calculated Finance Charge of $291,481.34 in the amount of $21,908.03. | Loan Approval indicates the index used was 3.79%. The closest index available in our look-back period is 4.11%. |  |  |  |  |  |  | 3 | 8/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226861 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226966 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | AZ | Primary | Purchase | B |  |  | No |
| 2965226966 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 6/XX/2007 | AZ | Primary | Purchase | C |  |  | No |
| 2965226966 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 6/XX/2007 | AZ | Primary | Purchase | B |  |  | No |
| 2965226966 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | AZ | Primary | Purchase | B |  |  | No |
| 2965226966 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $365,917.70 is underdisclosed from calculated Finance Charge of $366,186.02 in the amount of $268.32. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 6/XX/2007 | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227021 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227021 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227021 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227021 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226875 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226875 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226875 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2005, prior to three (3) business days from transaction date of 09/XX/2005. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965226875 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226890 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | AZ | Primary | Purchase | B |  |  | No |
| 2965226890 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | AZ | Primary | Purchase | B |  |  | No |
| 2965226826 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226826 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226826 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226826 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226826 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226826 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226826 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.46200% is underdisclosed from calculated APR of 6.84242% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.14% per the approval, however the lowest index value available in the lookback period is 3.56%. |  |  |  |  |  |  | 3 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226826 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $232,431.83 is underdisclosed from calculated Finance Charge of $259,236.31 in the amount of $26,804.48. | Under disclosure is due to the lender utilizing an index value of 3.14% per the approval, however the lowest index value available in the lookback period is 3.56%. |  |  |  |  |  |  | 3 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227203 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227203 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227203 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227203 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227203 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.28000% is underdisclosed from calculated APR of 7.55136% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.66% per the approval, however the lowest index value available in the lookback period is 3.940%. |  |  |  |  |  |  | 3 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227203 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $350,096.93 is underdisclosed from calculated Finance Charge of $375,305.34 in the amount of $25,208.41. | Under disclosure is due to the lender utilizing an index value of 3.66% per the approval, however the lowest index value available in the lookback period is 3.940%. |  |  |  |  |  |  | 3 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227638 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227638 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227556 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227556 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227556 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227556 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2006, prior to three (3) business days from transaction date of 07/XX/2006. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227556 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227252 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227252 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227252 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227252 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | AZ | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227678 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2005 | NM | Primary | Purchase | C |  |  | No |
| 2965227678 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | NM | Primary | Purchase | B |  |  | No |
| 2965227678 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | NM | Primary | Purchase | B |  |  | No |
| 2965227678 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | NM | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227678 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $259,777.13 is underdisclosed from calculated Finance Charge of $271,714.58 in the amount of $11,937.45. | Under disclosure is due to the lender utilizing an index value of 1.693% per the (Loan Commitment Approval), <br> however the lowest index value available in the lookback period is 2.33167%. |  |  |  |  |  |  | 3 | 5/XX/2005 | NM | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227678 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | NM | Primary | Purchase | B |  |  | No |
| 2965227678 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | NM | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227085 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227085 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | NV | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227085 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | NV | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227085 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | NV | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227085 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $210,723.82 is underdisclosed from calculated Finance Charge of $220,403.26 in the amount of $9,679.44. | Under disclosure is due to the lender utilizing an index value of 3.46 per the Approval, however the lowest index value available in the lookback period is 3.66%. |  |  |  |  |  |  | 3 | 4/XX/2006 | NV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227085 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2006 | NV | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227138 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $396,807.48 is underdisclosed from calculated Finance Charge of $397,162.05 in the amount of $354.57. | TIL itemization did not disclose a courier fee of $6.67 and a settlement fee of $347.50 as prepaid finance charges. |  |  |  |  |  |  | 3 | 10/XX/2007 | NV | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227289 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NV | Primary | Purchase | C |  |  | No |
| 2965227289 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NV | Primary | Purchase | B |  |  | No |
| 2965227289 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 1/XX/2003 | NV | Primary | Purchase | B |  |  | No |
| 2965227289 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NV | Primary | Purchase | B |  |  | No |
| 2965227289 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2003 | NV | Primary | Purchase | B |  |  | No |
| 2965227657 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227657 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227657 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227657 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227540 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | C |  |  | No |
| 2965227540 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227540 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227540 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No |
| 2965227540 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $621,472.24 is underdisclosed from calculated Finance Charge of $650,582.55 in the amount of $29,110.31. | Per the Approval, the Index used by the lender was 3.94%, however, the available Index in the drop down is 4.11% |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227633 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227460 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227460 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227460 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227460 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227521 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227521 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227521 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227574 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $553,757.43 is underdisclosed from calculated Finance Charge of $553,799.63 in the amount of $42.20. | HUD is Estimated. The TIL Itemization does not include $15 Tax Cert or the $100 Settlement fee in the Prepaid Finance Charges. |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227574 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/XX): Received 2 additional copies of the Estimated HUD-1. Exception is for a Missing Final HUD-1. Unable to clear. |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227561 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227561 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227561 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227561 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227561 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227561 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $648,100.10 is underdisclosed from calculated Finance Charge of $654,209.37 in the amount of $6,109.27. | Under disclosure is due to the lender utilizing an index value of 4.650% per the loan approval, however the lowest index value available in the lookback period is 4.730%. |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227541 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227761 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227761 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227761 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $503,777.11 is underdisclosed from calculated Finance Charge of $514,051.50 in the amount of $10,274.39. | Under disclosure is due to the lender utilizing an index value of 4.34% per the approval, however the lowest index value available in the lookback period is 4.49%. |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227761 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227761 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2006, prior to three (3) business days from transaction date of 09/XX/2006. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227578 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 9/XX/2004 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227578 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227578 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  | Reviewer Comment (2019/XX/XX): Received evidence of occupancy | 12/02/2019 |  |  |  | 1 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | FHA MIP | Document Error | FHA MIP | Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. |  |  |  | Reviewer Comment (2019/XX/XX): Received UFMIP details | 12/02/2019 |  |  |  | 1 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2009 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/XX): Received HUD | 12/02/2019 |  |  |  | 1 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/XX): Received HUD | 12/02/2019 |  |  |  | 1 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/XX): Received HUD. Replaced exception with version that indicates fees were used in testing. | 12/02/2019 |  |  |  | 1 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227458 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  | Reviewer Comment (2019/XX/XX): Received TIL | 12/02/2019 |  |  |  | 1 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227458 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $345,413.79 is underdisclosed from calculated Finance Charge of $360,645.66 in the amount of $15,231.87. | Under disclosure is due to the MI drop off point. The TIL shows it dropping off after the 129th payment. Audit is missing the appraised and therefore is unable to determine actual drop off point for the MI. |  |  |  |  |  |  | 3 | 6/XX/2009 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227500 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | C |  |  | No |
| 2965227500 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No |
| 2965227500 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No |
| 2965227500 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,182,023.23 is underdisclosed from calculated Finance Charge of $1,198,526.37 in the amount of $16,503.14. | Per the Approval, the lender used an Index of 4.34%, whereas the drop down Index is 4.99667. |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227522 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227222 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227222 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227222 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227222 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227222 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $977,461.20 is underdisclosed from calculated Finance Charge of $985,636.48 in the amount of $8,175.28. | Under disclosure of $8,175.28 is due to the lender utilizing an index value of 4.60% per the Approval, however the lowest index value available in the look back period is 4.690%. |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227248 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227248 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227248 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227248 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227248 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227248 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227248 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $925,487.91 is underdisclosed from calculated Finance Charge of $927,117.38 in the amount of $1,629.47. | Under disclosure is due to the lender's TIL reflecting that the neg am terms recast to the fully amortized payment after 191 months, however based on the note terms and index value the actual recast occurs after 190 months. |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227648 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227648 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227648 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227648 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227648 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227648 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.81400% is underdisclosed from calculated APR of 7.20484% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.94% per the Approval, however the lowest index value available in the look back period is 4.340%. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227648 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $703,299.10 is underdisclosed from calculated Finance Charge of $778,801.08 in the amount of $75,501.98. | Under disclosure of $75,501.98 is due to the lender utilizing an index value of 3.94% per the Approval, however the lowest index value available in the look back period is 4.340%. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227648 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227721 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227721 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227721 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227721 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227721 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $604,962.15 is underdisclosed from calculated Finance Charge of $644,224.82 in the amount of $39,262.67. | Under disclosure is due to the lender utilizing an index value of 4.640% per the approval, however the lowest index value available in the lookback period is 4.89667%. |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227721 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227716 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227716 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.26600% is underdisclosed from calculated APR of 7.53964% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.66% per the Approval, however the lowest index value available in the look back period is 3.940%. |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227716 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $647,215.42 is underdisclosed from calculated Finance Charge of $693,858.18 in the amount of $46,642.76. | Under disclosure of $46,642.76 is due to the lender utilizing an index value of 3.66% per the Approval, however the lowest index value available in the look back period is 3.940%. |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227716 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227697 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227697 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227697 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227697 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $865,386.18 is underdisclosed from calculated Finance Charge of $869,872.47 in the amount of $4,486.29. | Unable to determine fee portion of under disclosure due to missing itemization of amount financed. Payment stream portion is due to the lender utilizing an index value of 4.85% per the Approval, however the lowest index value available in the lookback period is 4.90%. |  |  |  |  |  |  | 3 | 10/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227735 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227735 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/XX): Received duplicate copy of Estimated HUD-1. Exception is for a Missing Final HUD-1. Unable to clear. |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227355 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227355 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227355 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $538,857.84 is underdisclosed from calculated Finance Charge of $567,301.91 in the amount of $28,444.07. | Under disclosure is due to the lender utilizing an index value of 3.360% per the loan approval, however the lowest index value available in the lookback period is 3.560%. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227355 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227355 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227355 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227355 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227320 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227320 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227320 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227320 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227515 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227515 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  | 3 | 3/XX/2007 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227808 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $528,488.57 is underdisclosed from calculated Finance Charge of $528,684.03 in the amount of $195.46. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 3/XX/2007 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227444 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/XX): Received a duplicate copy of the Final TIL. Exception is for a Missing Final HUD. Unable to clear. |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227444 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227325 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227250 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227250 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227250 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $435,340.22 is underdisclosed from calculated Finance Charge of $461,708.83 in the amount of $26,368.61. | Under disclosure is due to Lender utilizing an index of 3.560%, per the Approval, however, the lowest index in the look back is 3.79000%. |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227250 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227250 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227250 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227807 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2003 | CA | Primary | Purchase | B |  |  | No |
| 2965227807 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 6/XX/2003 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227807 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 6/XX/2003 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227032 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $557,622.78 is underdisclosed from calculated Finance Charge of $585,756.23 in the amount of $28,133.45. | Under disclosure is due to the lender utilizing an index value of 2.520% per the Approval, however the lowest index value available in the look back period is 2.70%. |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227032 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227032 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227032 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227032 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227664 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227664 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227664 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. | PPP Expired. Prepayment charge not allowed per state (CA) - prepayment charges for CA Purchase ARM loan not valid unless borrower is permitted to pay off the loan without penalty within 90 days of notification of a rate increase - note states 6 months interest at 20% allowance within the first 2 years. Lender is XXX. |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227664 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227664 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $826,056.26 is underdisclosed from calculated Finance Charge of $837,162.39 in the amount of $11,106.13. | Under disclosure is due to the lender utilizing an index value of 4.467% per the approval, however the lowest index value available in the lookback period is 4.55%. |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227099 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227099 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227099 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227099 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227181 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227181 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227181 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 2/XX/2007 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227224 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227224 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227224 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227224 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227224 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227224 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227224 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $262,688.66 is underdisclosed from calculated Finance Charge of $271,830.61 in the amount of $9,141.95. | Under disclosure is due to the lender utilizing an index value of 3.46% per the Loan Approval; however, the lowest index value available in the lookback period is 3.66%. |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227224 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 4/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227179 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227179 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227179 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226930 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226930 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226930 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226930 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226930 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226930 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $358,719.17 is underdisclosed from calculated Finance Charge of $364,378.72 in the amount of $5,659.55. | Under disclosure is due to the lender utilizing an index value of 4.997% per the approval, however the lowest index value available in the look back period is 5.08083% |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226911 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226911 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $371,582.68 is underdisclosed from calculated Finance Charge of $373,087.90 in the amount of $1,505.22. | TIL itemization did not disclose the Prepaid Interest ($984), Title Settlement Fee ($450), Title Courier Fee ($50), and Title Wire Fee ($21) as prepaid finance charges. |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965226935 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227041 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227238 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227238 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227238 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227238 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227238 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227238 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227238 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $671,758.02 is underdisclosed from calculated Finance Charge of $698,990.22 in the amount of $27,232.20. | Under disclosure is due to the lender utilizing an index value of 3.940% per the approval, however the lowest index value available in the look back period is 4.34000%. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227238 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227238 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.59400% is underdisclosed from calculated APR of 7.99768% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.940% per the approval, however the lowest index value available in the look back period is 4.34000%. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227219 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227219 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227063 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $683,349.37 is underdisclosed from calculated Finance Charge of $693,491.67 in the amount of $10,142.30. | Under-disclosure due to lender utilizing an index value of 5.081% per approval, however the lowest index value available in the lookback period is 5.21667% |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227063 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227063 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227063 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227306 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227306 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227105 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227105 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227105 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227105 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227105 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227105 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227105 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $506,175.23 is underdisclosed from calculated Finance Charge of $506,345.08 in the amount of $169.85. | Approval indicates the Index used was 4.69%. The closest Index available in our look-back period is %.4.75 |  |  |  |  |  |  | 3 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227000 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227000 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227000 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227000 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227000 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227000 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.54800% is underdisclosed from calculated APR of 7.94366% outside of 0.125% tolerance. | Under-disclosure due to lender utilizing an index value of 3.94% per approval, however the lowest index value available in the lookback period is 4.34% |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227000 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $542,849.92 is underdisclosed from calculated Finance Charge of $563,148.67 in the amount of $20,298.75. | Under-disclosure due to lender utilizing an index value of 3.94% per approval, however the lowest index value available in the lookback period is 4.34% |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227036 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Purchase | C |  |  | No |
| 2965227036 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227036 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227036 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227036 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Purchase | D |  |  | No |
| 2965227036 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227036 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227084 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Purchase | C |  |  | No |
| 2965227084 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227084 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227084 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227084 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227084 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227084 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227084 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.43500% is underdisclosed from calculated APR of 7.68733% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 4.897% per the approval, however the lowest index value available in the look back period is 5.15333%. |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227084 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $872,111.28 is underdisclosed from calculated Finance Charge of $929,035.47 in the amount of $56,924.19. | Under disclosure is due to the lender utilizing an index value of 4.897% per the approval, however the lowest index value available in the look back period is 5.15333%. |  |  |  |  |  |  | 3 | 12/XX/2006 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227725 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227725 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227725 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227725 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227725 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227725 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $497,641.32 is underdisclosed from calculated Finance Charge of $516,014.96 in the amount of $18,373.64. | Under disclosure is due to the lender utilizing an index value of 2.390% per the Approval, however the lowest index value available in the look back period is 2.52%. |  |  |  |  |  |  | 3 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227334 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227334 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227334 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227334 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227334 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227334 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.92900% is underdisclosed from calculated APR of 7.30187% outside of 0.125% tolerance. | Closing instructions indicate the Index used was 4.110%. The closest Index available in the look - back period is<br> 4.490%. |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227334 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,033,068.79 is underdisclosed from calculated Finance Charge of $1,137,105.64 in the amount of $104,036.85. | Closing instructions indicate the Index used was 4.110%. The closest Index available in the look - back period is<br> 4.490% |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227334 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227334 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227295 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227295 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227295 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227295 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227295 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227295 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $409,190.89 is underdisclosed from calculated Finance Charge of $419,824.58 in the amount of $10,633.69. | Approval indicates the Index used was 3.14, the lowest index available within the look back is 3.24. |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227295 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227542 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227542 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227542 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $923,438.46 is underdisclosed from calculated Finance Charge of $951,463.55 in the amount of $28,025.09. | Under disclosure is due to the lender utilizing an index value of 3.790% per the Approval, however the lowest index value available in the look back period is 3.940%. |  |  |  |  |  |  | 3 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227459 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227459 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/XX): Received duplicate copy of estimated HUD. The closing instructions indicate there was a prior lien to be paid as well as some additional debts but the HUD has no payoffs listed. Unable to clear. |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227459 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227459 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $721,634.99 is underdisclosed from calculated Finance Charge of $738,446.81 in the amount of $16,811.82. | Under disclosure is due to the lender utilizing an index value of 3.888% per the approval, however the lowest index value available in the look back period is 4.01080% |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227459 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227459 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227459 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227468 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227468 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty Test | California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the unpaid balance, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227468 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227468 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227468 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Purchase | C |  |  | No |
| 2965227468 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Purchase | D |  |  | No |
| 2965227468 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $660,150.25 is underdisclosed from calculated Finance Charge of $681,582.88 in the amount of $21,432.63. | Under-disclosure due to lender utilizing an index value of 2.504% per rate lock, however the lowest index value available in the lookback period is 2.6333% |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227035 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 11/XX/2010 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227035 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 11/XX/2010 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227457 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227457 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227457 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227457 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227457 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227457 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $823,203.53 is underdisclosed from calculated Finance Charge of $865,797.69 in the amount of $42,594.16. | The Approval shows the lender used the Index of 3.060,% whereas the Index available in the drop down is 3.24% |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227457 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227645 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227338 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227338 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227621 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227621 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227621 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227621 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227621 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Purchase | C |  |  | No |
| 2965227621 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Purchase | D |  |  | No |
| 2965227492 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227492 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227492 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227178 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227178 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227178 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227178 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227178 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227178 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227178 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227178 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.50000% is underdisclosed from calculated APR of 7.75133% outside of 0.125% tolerance. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227178 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $444,029.08 is underdisclosed from calculated Finance Charge of $473,075.43 in the amount of $29,046.35. | Under disclosure is due to the lender utilizing an index value of 4.640% per the Approval, however the lowest index value available in the lookback period is 4.89667%. |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227144 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227144 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227144 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227513 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227513 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227513 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $473,421.83 is underdisclosed from calculated Finance Charge of $501,536.46 in the amount of $28,114.63. | Loan Approval indicates the index used was 3.24%. The closest index available in our look-back period is 3.46%. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227513 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not found. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227508 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2004 | CA | Primary | Purchase | C |  |  | No |
| 2965227508 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227508 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227508 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. | Prepayment penalty is expired. Not permitted for ARM loan per state (CA). |  |  |  |  |  |  | 2 | 1/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227508 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2004 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227508 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 1/XX/2004 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227351 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227351 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227351 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227351 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227184 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227184 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227184 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $552,266.95 is underdisclosed from calculated Finance Charge of $555,061.46 in the amount of $2,794.51. | Under disclosure is due to the lender utilizing an index value of 5.266% per the approval, however the lowest index value available in the lookback period is 5.30083%. |  |  |  |  |  |  | 3 | 3/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227184 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 3/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227514 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227514 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227514 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227514 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227514 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | Yes |
| 2965227514 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227514 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227514 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227514 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227455 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227455 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP Expired. Prepayment charge not allowed per state (CA) - Prepayment not allowed per state (CA) - max prepayment charge per state CA 6 months' interest on the amount prepaid in excess of 20% in 12 month period - note 6 months interest in the amount prepaid in excess of 20% in 12 month period. Lender is XXX. |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227455 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $751,440.14 is underdisclosed from calculated Finance Charge of $759,113.95 in the amount of $7,673.81. | Under disclosure is due to the lender utilizing an index value of 5.51% per the closing instructions, however the lowest index value available in the lookback period is 5.58%. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227098 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227098 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227524 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227524 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227524 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227524 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227524 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227524 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227745 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227745 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227745 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $382,443.26 is underdisclosed from calculated Finance Charge of $402,594.52 in the amount of $20,151.26. | Under disclosure is due to the lender utilizing an index value of 3.36% per the approval, however the lowest index value available in the lookback period is 3.56%. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227539 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227539 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227539 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227539 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227539 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $356,853.52 is underdisclosed from calculated Finance Charge of $363,669.16 in the amount of $6,815.64. | Under disclosure is due to the lender utilizing an index value of 3.560% per the approval, however the lowest index value available in the look back period is 3.66000% |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227174 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227174 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227174 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227174 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $341,140.00 is underdisclosed from calculated Finance Charge of $361,143.17 in the amount of $20,003.17. | Under disclosure is due to the lender utilizing an index value of 3.14% per the approval, however the lowest index value available in the lookback period is 3.36%. |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227174 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227174 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227174 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227174 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227816 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227816 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227816 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227816 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227816 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227816 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $459,735.92 is underdisclosed from calculated Finance Charge of $462,341.45 in the amount of $2,605.53. | Under-disclosure due to lender utilizing an index value of 4.6% per approval, however the lowest index value available in the lookback period is 4.73%. |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227480 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227480 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227480 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227480 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227838 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227159 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227159 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227159 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Home Improvement | C |  |  | No |
| 2965227159 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965226979 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CA | Investment | Refinance - Rate/Term | B |  |  | No |
| 2965226979 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2005 | CA | Investment | Refinance - Rate/Term | C |  |  | No |
| 2965226979 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CA | Investment | Refinance - Rate/Term | B |  |  | No |
| 2965227281 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227281 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227281 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227281 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $265,674.68 is underdisclosed from calculated Finance Charge of $267,399.16 in the amount of $1,724.48. | Loan Approval indicates the index used was 1.085%. The closest index available in our look-back period is 1.11833. |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227117 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227117 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227117 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $614,696.67 is underdisclosed from calculated Finance Charge of $614,897.46 in the amount of $200.79. | TIL itemization did not disclose prepaid interest charges of $231.85 as prepaid finance charges. |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227368 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227368 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227368 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227368 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227368 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227368 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227368 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $479,625.45 is underdisclosed from calculated Finance Charge of $491,285.87 in the amount of $11,660.42. | Under disclosure is due to the lender utilizing an index value of 4.897% per the approval, however the lowest index value available in the lookback period is 5.08%. |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227368 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 11/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227217 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Purchase | C |  |  | No |
| 2965227217 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227217 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227217 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227217 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $2,646,830.04 is underdisclosed from calculated Finance Charge of $2,703,665.54 in the amount of $56,835.50. | Under disclosure is due to the lender utilizing an index value of 3.618% per the approval, however the lowest index value available in the lookback period is 3.75%. |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227078 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2004 | CA | Primary | Purchase | C |  |  | No |
| 2965227078 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227078 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. | PPP Expired. Prepayment charge not allowed per state (CA) - max prepayment charge for (CA) is 0% - note states 2%, 2% and 2%. Lender is XXX |  |  |  |  |  |  | 2 | 8/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227078 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227078 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227078 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227078 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $454,723.13 is underdisclosed from calculated Finance Charge of $467,219.26 in the amount of $12,496.13. | Under disclosure is due to the lender utilizing an index value of 1.11% per the approval, however the lowest index value available in the lookback period is 1.21%. |  |  |  |  |  |  | 3 | 8/XX/2004 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227551 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227551 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $470,895.21 is underdisclosed from calculated Finance Charge of $471,553.25 in the amount of $658.04. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227797 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227797 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227797 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227797 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227797 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227797 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227797 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $474,530.20 is underdisclosed from calculated Finance Charge of $502,465.49 in the amount of $27,935.29. | The Approval shows that the Lender used an Index of 3.14%, whereas the available Index in the drop down is 3.36%. |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227663 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227663 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227663 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227663 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 9/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227663 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227743 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227743 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227743 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227743 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $605,773.63 is underdisclosed from calculated Finance Charge of $645,419.01 in the amount of $39,645.38. | Under disclosure is due to the lender utilizing an index value of 3.900% per the loan approval, however the lowest index value available in the lookback period is 4.650%. |  |  |  |  |  |  | 3 | 3/XX/2008 | CA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227528 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2002 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227528 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 12/XX/2002 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227528 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2002 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227650 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227650 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227650 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.22200% is underdisclosed from calculated APR of 7.53199% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.79% per the Approval, however the lowest index value available in the lookback period is 4.11%. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227650 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $444,561.91 is underdisclosed from calculated Finance Charge of $481,736.31 in the amount of $37,174.40. | Under disclosure is due to the lender utilizing an index value of 3.790% per the Approval, however the lowest index value available in the lookback period is 4.11%. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227650 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227813 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227813 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 03/XX/2005, prior to three (3) business days from transaction date of 03/XX/2005. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227854 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227854 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 12/XX/2004 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227854 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 12/XX/2004 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227246 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227246 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227246 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227246 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227246 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $426,178.68 is underdisclosed from calculated Finance Charge of $427,422.63 in the amount of $1,243.95. | Under disclosure is due to the lender's TIL reflecting that the neg am terms recast to the fully amortized payment after 86 months, however based on the note terms and index value the actual recast occurs after 84 months. |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227487 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227487 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227487 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No |
| 2965227487 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B |  |  | No |
| 2965227487 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | C |  |  | No |
| 2965227487 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.37600% is underdisclosed from calculated APR of 7.91428% outside of 0.125% tolerance. | Under disclosure is due to the lender utilizing an index value of 3.940% per the Approval, however the lowest index value available in the lookback period is 4.490%. |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227487 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $472,193.88 is underdisclosed from calculated Finance Charge of $498,458.03 in the amount of $26,264.15. | Under disclosure is due to the lender utilizing an index value of 3.940% per the Approval, however the lowest index value available in the lookback period is 4.490%. |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227136 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227136 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227136 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227136 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227136 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 2 | 6/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227136 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 6/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227136 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227313 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227313 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227313 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227313 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227313 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227313 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227313 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $559,028.95 is underdisclosed from calculated Finance Charge of $564,345.38 in the amount of $5,316.43. | Loan Approval indicates the index used was 5.081%. The closest index available in our look-back period is 5.21667%. |  |  |  |  |  |  | 3 | 1/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227017 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2003 | CA | Primary | Purchase | C |  |  | No |
| 2965227017 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | CA | Primary | Purchase | B |  |  | No |
| 2965227017 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | CA | Primary | Purchase | B |  |  | No |
| 2965227017 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. | Prepayment penalty is expired. Missing required limitation per state (CA). |  |  |  |  |  |  | 2 | 2/XX/2003 | CA | Primary | Purchase | B |  |  | No |
| 2965227017 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 2/XX/2003 | CA | Primary | Purchase | B |  |  | No |
| 2965227017 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 2/XX/2003 | CA | Primary | Purchase | B |  |  | No |
| 2965227316 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227316 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227316 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227316 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $403,508.43 is underdisclosed from calculated Finance Charge of $411,270.95 in the amount of $7,762.52. | Under disclosure is due to the lender utilizing an index value of 3.06% per the approval, however the lowest index value available in the look back period is 3.14%. |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227315 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227315 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227315 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227315 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227315 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227315 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 7.63800% is underdisclosed from calculated APR of 7.98090% outside of 0.125% tolerance. | Approval shows the Index used by the Lender was 3.94%, whereas the available Index in the drop down is 4.34%. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227315 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $213,022.76 is underdisclosed from calculated Finance Charge of $231,852.06 in the amount of $18,829.30. | Approval shows the Index used by the Lender was 3.94%, whereas the available Index in the drop down is 4.34%. |  |  |  |  |  |  | 3 | 8/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227703 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227703 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227703 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $366,978.55 is underdisclosed from calculated Finance Charge of $375,917.67 in the amount of $8,939.12. | Unable to determine fee portion of under disclosure due to missing itemization of amount financed. Payment stream portion is due to the lender utilizing an index value of 2.610% per the Approval, however the lowest index value available in the lookback period is 2.70%. |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227703 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227703 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227703 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227703 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227416 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227416 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227416 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227416 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227416 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227416 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227416 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $227,155.27 is underdisclosed from calculated Finance Charge of $233,567.93 in the amount of $6,412.66. | Under disclosure is due to the lender utilizing an index value of 3.06% per the Approval, however the lowest index value available in the look back period is 3.240%. |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227416 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227214 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2004 | CA | Primary | Purchase | C |  |  | No |
| 2965227214 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 2 | 5/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227214 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. | PPP Expired. Prepayment charge not allowed per state CA - max prepayment charge for CA - Statute states - borrower is permitted to prepay the loan in whole or in part without a prepayment charge within 90 days of notification of any increase in the rate of interest.- Note states 2%, 2%, 2%. Lender is XXX |  |  |  |  |  |  | 2 | 5/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227214 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227214 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2004 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227214 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2004 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227607 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227607 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227607 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227607 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227607 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227607 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227607 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227607 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227607 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227607 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 7/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227348 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Purchase | C |  |  | No |
| 2965227348 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227348 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227348 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227348 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. | Prepayment penalty is expired. Prepayment penalty does not contain required language for ARM per state (CA). |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227348 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227348 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227348 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $628,356.58 is underdisclosed from calculated Finance Charge of $644,423.25 in the amount of $16,066.67. | Under disclosure is due to the lender utilizing an index value of 3.56% per the Approval, however the lowest index value available in the look back period is 3.66%. |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227158 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227158 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227158 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227158 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227158 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $376,288.65 is underdisclosed from calculated Finance Charge of $398,623.75 in the amount of $22,335.10. | Under-disclosure due to lender utilizing an index value of 3.24% per approval, however the lowest index value available in the lookback period is 3.46%. |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227484 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227484 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227484 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227484 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227484 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227589 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227589 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227589 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2965227589 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227589 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227589 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227589 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227589 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227589 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227791 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227791 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227791 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227791 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type. | PPP Expired. Prepayment charge not allowed per state (CA) - max prepayment charge for (CA) is 0% - note states 6 months interest. Lender is XXX. |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227791 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 12/XX/2005, prior to three (3) business days from transaction date of 12/XX/2005. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227297 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227297 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227737 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 2 | 8/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227737 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227737 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Oregon Prepayment Penalty Max Prepay | Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan. | PPP expired. Per state of CA, Note must clearly state the maximum prepayment penalty applicable to each year of loan - Note states 6 months interest calulated at the Contract Rate in effect at time of prepayment on unpaid principal balance for 24 months. Lender is XXX. |  |  |  |  |  |  | 2 | 8/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227737 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227737 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2006 | OR | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227737 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227478 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 12/XX/2006 | OR | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227163 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227163 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | WA | Primary | Refinance - UTD | C |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | WA | Primary | Refinance - UTD | C |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | WA | Primary | Refinance - UTD | C |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: HUD/VA 92900-A not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | WA | Primary | Refinance - UTD | C |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | WA | Primary | Refinance - UTD | B |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FHA | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | WA | Primary | Refinance - UTD | B |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | WA | Primary | Refinance - UTD | D |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | WA | Primary | Refinance - UTD | B |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | WA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | WA | Primary | Refinance - UTD | B |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2007 | WA | Primary | Refinance - UTD | B |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2007 | WA | Primary | Refinance - UTD | B |  |  | No |
| 2965227833 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | FHA MIP | Document Error | FHA MIP | Missing details of FHA UFMIP (ie. financed vs cash portions). Testing is incomplete. |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | WA | Primary | Refinance - UTD | C |  |  | No |
| 2965227701 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227701 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227701 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227701 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227701 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227701 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/02): Received HUD | 12/02/2019 |  |  |  | 1 | 9/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No |
| 2965227701 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/02): Received HUD. Replaced exception with version indicating fees were used in testing. | 12/02/2019 |  |  |  | 1 | 9/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | A |  |  | No |
| 2965227701 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227701 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227701 | XXX | XXX | XXX | XXX | 12/02/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227676 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Property - Appraisal | Missing Valuation: |  | Appraisal not provided. |  |  |  |  |  |  | 3 | 2/XX/2003 | WA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227413 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | WA | Primary | Purchase | C |  |  | No |
| 2965227413 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | WA | Primary | Purchase | B |  |  | No |
| 2965227473 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2005 | WA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227473 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227473 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227473 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227473 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2005, prior to three (3) business days from transaction date of 01/XX/2005. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | Yes |
| 2965227473 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $153,169.58 is underdisclosed from calculated Finance Charge of $153,477.41 in the amount of $307.83. | Under disclosure is payment stream related due to discrepancy in payment stream on lender's final TIL relating to Principle Rate Reduction feature. |  |  |  |  |  |  | 3 | 1/XX/2005 | WA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | Yes |
| 2965227165 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2016 | NJ | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227165 | XXX | XXX | XXX | XXX | 11/01/2019 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing secondary valuation product required for securitization. |  | Subject Refi Plus loan was approved without an appraisal, however, two valuations will be required for securitization. |  |  |  |  |  |  | 3 | 9/XX/2016 | NJ | Primary | Refinance - Rate/Term | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227165 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Esign Consent Agreement Status | ESIGN Act – Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $1,709.23 and disclosure timing violations. | Initial Loan Estimate was signed electronically, however file does not contain evidence of borrower's consent to receive disclosures in this fashion. |  |  |  |  |  |  | 2 | 9/XX/2016 | NJ | Primary | Refinance - Rate/Term | No Defined Cure B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227165 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Prepaid Property Tax Months | TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 09/XX/2016 did not disclose number of months for Property Tax under Prepaids. (Final/09/XX/2016) | Final Closing Disclosure in file does not reflect number of months of taxes prepaid in Section E. |  | Reviewer Comment (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A |  |  |  | 12/12/2019 | 1 | 9/XX/2016 | NJ | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 2965227165 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 08/XX/2016 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/08/XX/2016) | Initial Loan Estimate was signed electronically, however file does not contain evidence of borrower's consent to receive disclosures in this fashion. |  |  |  |  |  |  | 3 | 9/XX/2016 | NJ | Primary | Refinance - Rate/Term | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965226803 | XXX | XXX | XXX | XXX | 11/05/2019 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Proof of the 2014 1040 Tax Return being filed is required. No income docs in file at origination, income used from final 1003. Additional income and business documention may be required for XXX and XXX if income was from these companies was used to qualify. File does not contain a breakdown of income used, only base income from final 1003 of $XXX. |  |  |  |  |  |  | 3 | 6/XX/2015 | NJ | Investment | Purchase | C | N/A | N/A | No |
| 2965226803 | XXX | XXX | XXX | XXX | 11/05/2019 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXX, NJ, Address: XXX, NJ, Address: XXX, NJ Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Lease Agreement, Statement, Tax Verification<br> HOA Verification, Lease Agreement, Tax Verification |  |  |  |  |  |  |  | 3 | 6/XX/2015 | NJ | Investment | Purchase | C | N/A | N/A | No |
| 2965226803 | XXX | XXX | XXX | XXX | 11/05/2019 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXX 1040 (2012), 1040 (2013), 1120 (2012), 1120 (2013), Balance Sheet, P&L Statement, Transcripts (2012), Transcripts (2013) |  |  |  |  |  |  |  | 3 | 6/XX/2015 | NJ | Investment | Purchase | C | N/A | N/A | No |
| 2965226803 | XXX | XXX | XXX | XXX | 11/05/2019 | Credit | Guideline | Guideline Issue | Guideline | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Drive By / Valuation Report Date: XX/XX/2015 Drive By | Report date is XX/XX/15 and effective date XX/XX/15. |  |  |  |  |  |  | 3 | 6/XX/2015 | NJ | Investment | Purchase | C | N/A | N/A | No |
| 2965226803 | XXX | XXX | XXX | XXX | 11/05/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. (XXX XXX/S-Corp) | Unable to determine if income from this company was used to qualify. Additional exceptions or income/businees verification documentation for this business may apply when 2012 and 2013 1040's are received. If income was not used, we will need to verify no loss income. |  | Reviewer Comment (2019/XX/05): Qualifying income included income from all sources. Exception has been cleared. | 11/05/2019 |  |  |  | 1 | 6/XX/2015 | NJ | Investment | Purchase | A | N/A | N/A | No |
| 2965226803 | XXX | XXX | XXX | XXX | 11/05/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income Data was not provided | Income Source and Qualifying Monthly Income Amount are required. (XXX XXX/Partnership) | Unable to determine if income from this company was used to qualify. Additional exceptions or income/businees verification documentation for this business may apply when 2012 and 2013 1040's are received. If income was not used, we will need to verify no loss income. |  | Reviewer Comment (2019/XX/05): Qualifying income included income from all sources. Exception has been cleared. | 11/05/2019 |  |  |  | 1 | 6/XX/2015 | NJ | Investment | Purchase | A | N/A | N/A | No |
| 2965227278 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2014 | PA | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 2965227278 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXX Explanation Letter | Lender approval required a letter of explanation for employment gap from 4/XX-5/XX, however this was not provided in the file. |  |  |  |  |  |  | 3 | 4/XX/2014 | PA | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 2965227278 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/XX/XX/2014) |  |  |  |  |  |  |  | 2 | 4/XX/2014 | PA | Primary | Purchase | B | UTD | Safe Harbor QM | No |
| 2965227278 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. | Lender approval and 1008 indicates subject was manually underwritten for CRA special program guidelines, however these were not provided and thus unable to determine original designation. |  |  |  |  |  |  | 3 | 4/XX/2014 | PA | Primary | Purchase | B C | UTD | Safe Harbor QM | Yes |
| 2965227278 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  |  |  |  |  |  | 2 | 4/XX/2014 | PA | Primary | Purchase | B | UTD | Safe Harbor QM | No |
| 2965227278 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 4/XX/2014 | PA | Primary | Purchase | B | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage shortfall of $XXX |  | Reviewer Comment (2019/XX/02): After further review exception cleared | 12/02/2019 |  |  |  | 1 | 10/XX/2016 | VA | Primary | Purchase | A | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | File does not contain final approval or AUS findings to verify manner in which loan was approved. LP findings in file are dated more than one month prior to closing and require MI which does not appear to have been issued at origination, unable to determine if alternate program was used. |  | Reviewer Comment (2019/XX/02): After further review exception cleared | 12/02/2019 |  |  |  | 1 | 10/XX/2016 | VA | Primary | Purchase | A | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | File does not contain final approval or AUS findings to verify manner in which loan was approved. LP findings in file are dated more than one month prior to closing and require MI which does not appear to have been issued at origination, unable to determine if alternate program was used. |  |  |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/XX/2016) |  |  |  |  |  |  |  | 2 | 10/XX/2016 | VA | Primary | Purchase | B | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio | Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. | File does not contain final approval or AUS findings to verify manner in which loan was approved. LP findings in file are dated more than one month prior to closing and require MI which does not appear to have been issued at origination, unable to determine if alternate program was used. |  | Reviewer Comment (2019/XX/02): After futher review exception cleared | 12/02/2019 |  |  |  | 1 | 10/XX/2016 | VA | Primary | Purchase | A | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines Not Provided | Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 43.73547%, LTV/CLTV: 97.00000%/97.00000%, Credit Score: 702, Occupancy: Primary, Purpose: Purchase, | File does not contain final approval or AUS findings to verify manner in which loan was approved. LP findings in file are dated more than one month prior to closing and require MI which does not appear to have been issued at origination, unable to determine if alternate program was used. |  | Reviewer Comment (2019/XX/02): After futher review exception cleared | 12/02/2019 |  |  |  | 1 | 10/XX/2016 | VA | Primary | Purchase | A | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Unknown Loan Designation | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. | File does not contain final approval or AUS findings to verify manner in which loan was approved. LP findings in file are dated more than one month prior to closing and require MI which does not appear to have been issued at origination, unable to determine if alternate program was used. |  | Reviewer Comment (2019/XX/02): After further review, due Diligence Loan Designation is Safe Harbor QM<br>Seller Comment (2019/XX/02): please have AMC review. Their finding for us is QM Safe Harbor<br>Reviewer Comment (2019/XX/02): Updated from: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Risk. |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | B C | UTD | Safe Harbor QM | Yes |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | File does not contain final approval or AUS findings to verify manner in which loan was approved. LP findings in file are dated more than one month prior to closing and require MI which does not appear to have been issued at origination, unable to determine if alternate program was used. |  | Reviewer Comment (2019/XX/02): After futher review exception cleared | 12/02/2019 |  |  |  | 1 | 10/XX/2016 | VA | Primary | Purchase | A | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/10/XX/2016) | HOA Cert Fees were not included in prepaid finance charges. |  |  |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | UTD | Safe Harbor QM | Yes |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2016) | No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  | Reviewer Comment (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A |  |  |  | 12/12/2019 | 1 | 10/XX/2016 | VA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | UTD | Safe Harbor QM | Yes |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/10/XX/2016) | File does not contain evidence of date borrower received revised CD. |  |  |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | No Defined Cure B | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,169.50 exceeds tolerance of $119.00 plus 10% or $130.90. Insufficient or no cure was provided to the borrower. (0) | No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  |  |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | UTD | Safe Harbor QM | Yes |
| 2965227335 | XXX | XXX | XXX | XXX | 12/02/2019 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined High loan to value discrepancy. | Calculated high loan to value percentage of 97.00000% exceeds AUS high loan to value percentage of 95.00000% | Please provide AUS that reflects terms of loan |  |  |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 12/02/2019 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 97.00000% exceeds AUS combined loan to value percentage of 95.00000%. | Please provide AUS that reflects terms of loan |  |  |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 12/02/2019 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Interest rate discrepancy. | Note interest rate of XXX% exceeds AUS interest rate of XXX%. | Please provide AUS that reflects terms of loan |  |  |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 12/02/2019 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | AUS Findings: Loan amount discrepancy. | Note loan amount of $XXX exceeds AUS loan amount of $XXX. | Please provide AUS that reflects terms of loan |  |  |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 2965227335 | XXX | XXX | XXX | XXX | 12/02/2019 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS Findings: Loan to value discrepancy. | Calculated loan to value percentage of 97.00000% exceeds AUS loan to value percentage of 95.00000%. | Please provide AUS that reflects terms of loan |  |  |  |  |  |  | 3 | 10/XX/2016 | VA | Primary | Purchase | C | UTD | Safe Harbor QM | No |
| 2965227329 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  |  |  |  | 3 | 3/XX/2017 | NC | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227329 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7735) | No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  |  |  |  |  |  | 3 | 3/XX/2017 | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 2965227329 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $475.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77187) | No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  |  |  |  |  |  | 3 | 3/XX/2017 | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 2965227329 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2017) | No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  | Reviewer Comment (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A |  |  |  | 12/12/2019 | 1 | 3/XX/2017 | NC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 2965227329 | XXX | XXX | XXX | XXX | 11/04/2019 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | Two appraisals will be needed for Securitization and were not provided. |  |  |  |  |  |  | 3 | 3/XX/2017 | NC | Primary | Purchase | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227329 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XX/XX/2017) | The date valuation provided to applicant of XX/XX/2017 is prior to the date when valuation was performed which is XX/XX/2017. Unable to determine compliance with appraisal timing requirements. |  |  |  |  |  |  | 2 | 3/XX/2017 | NC | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965226865 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2016 | NC | Primary | Purchase | C | Safe Harbor QM | Safe Harbor QM | No |
| 2965226865 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXX VVOE - Employment Only | The file did not contain a completed verbal VOE. |  |  |  |  |  |  | 3 | 9/XX/2016 | NC | Primary | Purchase | C | Safe Harbor QM | Safe Harbor QM | No |
| 2965226865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Lender Credit | TILA-RESPA Integrated Disclosure – Costs at Closing: Final Closing Disclosure provided on 09/XX/2016 disclosed a Lender Credit less than the legal limit exceeded on the Calculating Cash to Close table. (Final/09/XX/2016) | The Loan Estimate has a Total Closing Cost Amount of $4,376 and the Final Closing Disclosure has a Total Closing Cost of $2,697.25 which is less than the Loan Estimate. |  | Reviewer Comment (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A |  |  |  | 12/12/2019 | 1 | 9/XX/2016 | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM | Safe Harbor QM | Yes |
| 2965226865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Lender Credits | TILA-RESPA Integrated Disclosure - Costs at Closing: Final Closing Disclosure provided on 09/XX/2016 disclosed Lender Credits that does not match Lender Credits on page 2. (Final/09/XX/2016) | The Lender Credit shown on Page 1 of the final Closing Disclosure is $234. The Lender Credit shown on Page two is $234.12. |  | Reviewer Comment (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A |  |  |  | 12/12/2019 | 1 | 9/XX/2016 | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM | Safe Harbor QM | Yes |
| 2965226865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2016) | The Loan Estimate has a Total Closing Cost Amount of $4,376 and the Final Closing Disclosure has a Total Closing Cost of $2,697.25 which is less than the Loan Estimate. No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  | Reviewer Comment (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A |  |  |  | 12/12/2019 | 1 | 9/XX/2016 | NC | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM | Safe Harbor QM | Yes |
| 2965226865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/09/XX/2016) | The initial Closing Disclosure is dated 9/XX/16 and the Closing took place on 9/XX/16. |  |  |  |  |  |  | 3 | 9/XX/2016 | NC | Primary | Purchase | No Defined Cure B | Safe Harbor QM | Safe Harbor QM | No |
| 2965226865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $611.86 exceeds tolerance of $418.00 plus 10% or $459.80. Insufficient or no cure was provided to the borrower. (0) | No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  |  |  |  |  |  | 3 | 9/XX/2016 | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM | Safe Harbor QM | Yes |
| 2965226865 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $324.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | The LE did not disclose a Transfer Fee and the final CD had a transfer fee of $324. No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  |  |  |  |  |  | 3 | 9/XX/2016 | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM | Safe Harbor QM | Yes |
| 2965226865 | XXX | XXX | XXX | XXX | 11/04/2019 | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Missing secondary valuation product required for securitization. |  |  |  |  |  |  |  |  | 3 | 9/XX/2016 | NC | Primary | Purchase | C | Safe Harbor QM | Safe Harbor QM | No |
| 2965227213 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING<br> Disaster Declaration Date: 05/XX/2013<br> Disaster End Date: 05/XX/2013 | The subject property is located in a FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage to the subject. The inspection must include exterior photos of the subject. |  |  |  |  |  |  | 3 | 2/XX/2015 | IL | Investment | Refinance - Limited Cash-out GSE | C | N/A | N/A | No |
| 2965227213 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  |  |  | 3 | 2/XX/2015 | IL | Investment | Refinance - Limited Cash-out GSE | C | N/A | N/A | No |
| 2965227213 | XXX | XXX | XXX | XXX | 11/04/2019 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | Subject was approved without an appraisal; however, 2 valuations will be required for securitization. |  |  |  |  |  |  | 3 | 2/XX/2015 | IL | Investment | Refinance - Limited Cash-out GSE | C | N/A | N/A | No |
| 2965227204 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,793.00 exceeds tolerance of $3,984.00 plus 10% or $4,382.40. Insufficient or no cure was provided to the borrower. (0) | No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  |  |  |  |  |  | 3 | 11/XX/2017 | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 2965227204 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $632.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) | No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  |  |  |  |  |  | 3 | 11/XX/2017 | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 2965227204 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | This is due to seller paid fee listed on seller disclosure section G of $745 for Franchise Tax. |  |  |  |  |  |  | 2 | 11/XX/2017 | CA | Primary | Purchase | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 2965227204 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Closing Date | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 11/XX/2017 disclosed a Closing Date that did not match the actual date of consummation. (Final/11/XX/2017) | The Closing Date on the final CD is 11/XX/17, borrower signature date 11/XX/17 and the Security Instrument has a notary date of 11/XX/17. No post close CD in file to correct the closing date to 11/XX/17 |  | Reviewer Comment (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A |  |  |  | 12/12/2019 | 1 | 11/XX/2017 | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 2965227204 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2017) | No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review |  | Reviewer Comment (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A |  |  |  | 12/12/2019 | 1 | 11/XX/2017 | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | Yes |
| 2965227069 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227069 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2003. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965227069 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | TX | Primary | Purchase | B |  |  | No |
| 2965226866 | XXX | XXX | XXX | XXX | 09/30/2018 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2005 | FL | Investment | Purchase | D |  |  | No |
| 2965226866 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 1/XX/2005 | FL | Investment | Purchase | B |  |  | No |
| 2965226866 | XXX | XXX | XXX | XXX | 09/30/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 1/XX/2005 | FL | Investment | Purchase | C |  |  | No |
| 2965226866 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of 8.44912% is in excess of the allowable maximum of 8.00000% of the Original Loan Amount. FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .44912%). |  |  |  |  |  |  |  | 2 | 1/XX/2005 | FL | Investment | Purchase | B |  |  | No |
| 2965227476 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227476 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227083 | XXX | XXX | XXX | XXX | 10/01/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | NJ | Primary | Purchase | C |  |  | No |
| 2965227452 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2009 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227452 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2009 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227452 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2009 | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227452 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 10/XX/2009 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227452 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 10/XX/2009 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227812 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227812 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227812 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 11/XX/2006 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227812 | XXX | XXX | XXX | XXX | 09/30/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 11/XX/2006 | WA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227812 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | WA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227812 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 3 | 11/XX/2006 | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226871 | XXX | XXX | XXX | XXX | 09/30/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226871 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226871 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226871 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965226871 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226871 | XXX | XXX | XXX | XXX | 09/30/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2008 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227196 | XXX | XXX | XXX | XXX | 10/13/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227196 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227196 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227196 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227196 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227196 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227196 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227196 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | File does not contain a Norice of Right to Cancel. |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227196 | XXX | XXX | XXX | XXX | 10/13/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 8/XX/2004 | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227414 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227414 | XXX | XXX | XXX | XXX | 10/13/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227788 | XXX | XXX | XXX | XXX | 10/06/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  | UW has verified MI was required. MI cert is missing |  |  |  |  |  |  | 3 | 12/XX/2007 | VA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227116 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227116 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227116 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227341 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 3/XX/2006 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227341 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227341 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227341 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227341 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 3/XX/2006 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227049 | XXX | XXX | XXX | XXX | 10/21/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/1999 | NC | Primary | Purchase | C |  |  | No |
| 2965227049 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | No Vale Provided |  |  |  |  |  |  | 2 | 11/XX/1999 | NC | Primary | Purchase | B |  |  | No |
| 2965227049 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 11/XX/1999 | NC | Primary | Purchase | B |  |  | No |
| 2965227049 | XXX | XXX | XXX | XXX | 10/21/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 11/XX/1999 | NC | Primary | Purchase | C |  |  | No |
| 2965227049 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/1999 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/1999 | NC | Primary | Purchase | B |  |  | No |
| 2965227049 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 11/XX/1999 | NC | Primary | Purchase | D |  |  | No |
| 2965227049 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 11/XX/1999 | NC | Primary | Purchase | B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2000 | NC | UTD | Refinance - UTD | C |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2000 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2000 | NC | UTD | Refinance - UTD | B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 2/XX/2000 | NC | UTD | Refinance - UTD | D |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/1999. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 2/XX/2000 | NC | UTD | Refinance - UTD | B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 2/XX/2000 | NC | UTD | Refinance - UTD | B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2000 | NC | UTD | Refinance - UTD | No Defined Cure B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2000 | NC | UTD | Refinance - UTD | No Defined Cure B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 2/XX/2000 | NC | UTD | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 2/XX/2000 | NC | UTD | Refinance - UTD | B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 2/XX/2000 | NC | UTD | Refinance - UTD | B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 2/XX/2000 | NC | UTD | Refinance - UTD | B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 2/XX/2000 | NC | UTD | Refinance - UTD | B |  |  | No |
| 2965226863 | XXX | XXX | XXX | XXX | 10/21/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 2/XX/2000 | NC | UTD | Refinance - UTD | C |  |  | No |
| 2965227814 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 4/XX/2007 | MA | Primary | Purchase | B |  |  | No |
| 2965227814 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MA | Primary | Purchase | B |  |  | No |
| 2965227814 | XXX | XXX | XXX | XXX | 10/21/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MA | Primary | Purchase | B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of XX/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2018/XX/17): Received Final HUD | 12/17/2018 |  |  |  | 1 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2018/XX/17): Received Final HUD | 12/17/2018 |  |  |  | 1 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | A |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 10/25/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 12/17/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226816 | XXX | XXX | XXX | XXX | 12/17/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227367 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227367 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MA | Primary | Refinance - Cash-out - Home Improvement | B |  |  | No |
| 2965227408 | XXX | XXX | XXX | XXX | 11/04/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227408 | XXX | XXX | XXX | XXX | 11/04/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227408 | XXX | XXX | XXX | XXX | 11/04/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Unable to determine if Notice of Right to Cancel was executed on the proper Model Form. The H-9 form was used instead of the H-8 form, however, the loan file does not contain evidence that the refinance was by the original creditor. |  |  |  |  |  |  |  | 3 | 1/XX/2007 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227562 | XXX | XXX | XXX | XXX | 11/03/2018 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2008 | MA | Primary | Purchase | C |  |  | No |
| 2965227562 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2008 | MA | Primary | Purchase | B |  |  | No |
| 2965227843 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  | 3 | 2/XX/2007 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227843 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227843 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227843 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227843 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement date but is not signed or dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  | 3 | 2/XX/2007 | NJ | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227843 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | NJ | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965226955 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2005 | MA | Primary | Purchase | B |  |  | No |
| 2965226955 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | MA | Primary | Purchase | B |  |  | No |
| 2965226955 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | MA | Primary | Purchase | B |  |  | No |
| 2965227190 | XXX | XXX | XXX | XXX | 11/03/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2004 | FL | Primary | Purchase | C |  |  | No |
| 2965227190 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | FL | Primary | Purchase | B |  |  | No |
| 2965227190 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227190 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | FL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227712 | XXX | XXX | XXX | XXX | 11/09/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Purchase | C |  |  | No |
| 2965227712 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227712 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227712 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227712 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227712 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227379 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2005. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227379 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227379 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227379 | XXX | XXX | XXX | XXX | 11/03/2018 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Document: HUD-1 Addendum not provided |  |  |  | Reviewer Comment (2019/XX/26): HUD addendum not provided. Exception remains.<br>Seller Comment (2019/XX/26): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Final HUD-1. |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2965227397 | XXX | XXX | XXX | XXX | 11/04/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227397 | XXX | XXX | XXX | XXX | 11/04/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227397 | XXX | XXX | XXX | XXX | 11/04/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227397 | XXX | XXX | XXX | XXX | 11/04/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $793,657.79 is underdisclosed from calculated Finance Charge of $793,943.93 in the amount of $286.14. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227536 | XXX | XXX | XXX | XXX | 11/10/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226824 | XXX | XXX | XXX | XXX | 11/09/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2008 | FL | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226824 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 5/XX/2008 | FL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226824 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2008 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226824 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 5/XX/2008 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226824 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227014 | XXX | XXX | XXX | XXX | 12/03/2018 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/03): Note provided. Exceptions cleared.<br>Seller Comment (2019/XX/03): "The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Note <br> " | 12/03/2019 |  |  |  | 1 | 1/XX/2007 | PA | Investment | Purchase | A |  |  | No |
| 2965227014 | XXX | XXX | XXX | XXX | 12/03/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | PA | Investment | Purchase | B |  |  | No |
| 2965227014 | XXX | XXX | XXX | XXX | 12/03/2018 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Investment) | Initial application indicated primary residence. Final application indicated Investment on pg 1 but in the Declarations section, borrower checked Yes for intent to occupy. Compliance testing completed using occupancy of Primary with no high cost impact. |  |  |  |  |  |  | 2 | 1/XX/2007 | PA | Investment | Purchase | B |  |  | No |
| 2965227064 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  | 3 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965227064 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965227064 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965227353 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227353 | XXX | XXX | XXX | XXX | 11/09/2018 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227353 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227236 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CT | Primary | Purchase | B |  |  | No |
| 2965227236 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CT | Primary | Purchase | B |  |  | No |
| 2965227236 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CT | Primary | Purchase | B |  |  | No |
| 2965227236 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CT | Primary | Purchase | B |  |  | No |
| 2965227236 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 10/XX/2007 | CT | Primary | Purchase | B |  |  | No |
| 2965227875 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NM | Primary | Purchase | B |  |  | No |
| 2965227875 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NM | Primary | Purchase | B |  |  | No |
| 2965227875 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 11/XX/2006 | NM | Primary | Purchase | B |  |  | No |
| 2965227573 | XXX | XXX | XXX | XXX | 11/26/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/04): HUD provided. Exception cleared<br>Seller Comment (2019/XX/04): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Final HUD-1. | 12/04/2019 |  |  |  | 1 | 8/XX/2007 | FL | Primary | Purchase | A |  |  | No |
| 2965227573 | XXX | XXX | XXX | XXX | 11/26/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965227573 | XXX | XXX | XXX | XXX | 11/26/2018 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $321,890.83 is underdisclosed from calculated Finance Charge of $322,682.53 in the amount of $791.70. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  | Reviewer Comment (2019/XX/04): HUD provided. Exception cleared | 12/04/2019 |  |  |  | 1 | 8/XX/2007 | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable |  |  | No |
| 2965227573 | XXX | XXX | XXX | XXX | 11/26/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | FL | Primary | Purchase | B |  |  | No |
| 2965227421 | XXX | XXX | XXX | XXX | 11/10/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | MN | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227421 | XXX | XXX | XXX | XXX | 11/10/2018 | Compliance | Compliance | State Compliance | State Defect | (Doc Error) Note Error: Loan does not comply with state prepayment penalty requirements |  |  |  |  |  |  |  |  | 2 | 1/XX/2006 | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227421 | XXX | XXX | XXX | XXX | 11/10/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Impermissible Prepayment Penalty) | Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 60 days interest on the unpaid principal balance. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227421 | XXX | XXX | XXX | XXX | 11/10/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Prepayment Penalty Disclosure Not Provided at application) | Minnesota Residential Originator and Servicer Licensing Act: Prepayment penalty disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227421 | XXX | XXX | XXX | XXX | 11/10/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Prepayment Penalty Disclosure Not Provided at closing) | Minnesota Residential Originator and Servicer Licensing Act: Prepayment penalty disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227421 | XXX | XXX | XXX | XXX | 11/10/2018 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty exceeding 2% of the unpaid principal balance of the loan. | Minnesota Residential Originator and Servicer Licensing Act: Mortgage loan contains an impermissible prepayment penalty. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | MN | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227644 | XXX | XXX | XXX | XXX | 11/11/2018 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | Second Home | Purchase | B |  |  | No |
| 2965227644 | XXX | XXX | XXX | XXX | 11/11/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2007. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | Second Home | Purchase | B |  |  | No |
| 2965227143 | XXX | XXX | XXX | XXX | 11/11/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/03): HUD provided still not signed or stamped. Exception remains<br>Seller Comment (2019/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted. The final HUD-1 was located in the loan file. Please take note that it is common practice for loans funded in a dry funding state, such as California where the subject loan was funded, not to have signatures or a certified stamp. Loans in the above mentioned state are allowed to be funded prior to the disbursement of funds and without the borrower(s) being present to sign documents. However, the HUD-1 must reflect that it is "Final", which it does. Supporting documentation uploaded in DMP as Appeal 1 |  |  |  |  | 3 | 7/XX/2007 | CA | Investment | Refinance - Rate/Term | D |  |  | No |
| 2965226917 | XXX | XXX | XXX | XXX | 11/11/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/03): Escrow state HUD still needs CTC stamp or settlement agent signature. Exception remains.<br>Seller Comment (2019/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted. The final HUD-1 was located in the loan file. Please take note that it is common practice for loans funded in a dry funding state, such as Arizona where the subject loan was funded, not to have signatures or a certified stamp. Loans in the above mentioned state are allowed to be funded prior to the disbursement of funds and without the borrower(s) being present to sign documents. However, the HUD-1 must reflect that it is "Final", which it does. "Supporting Documentation uploaded in DMP as Appeal 1". |  |  |  |  | 3 | 8/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965226917 | XXX | XXX | XXX | XXX | 11/11/2018 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2001 | SC | UTD | UTD - UTD | C |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/2001 | SC | UTD | UTD - UTD | B |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/2001 | SC | UTD | UTD - UTD | D |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 10/XX/2001 | SC | UTD | UTD - UTD | B |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2001 | SC | UTD | UTD - UTD | No Defined Cure B |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2001 | SC | UTD | UTD - UTD | No Defined Cure B |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2001 | SC | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2001 | SC | UTD | UTD - UTD | B |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2001 | SC | UTD | UTD - UTD | B |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 10/XX/2001 | SC | UTD | UTD - UTD | B |  |  | No |
| 2965226867 | XXX | XXX | XXX | XXX | 11/09/2018 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 10/XX/2001 | SC | UTD | UTD - UTD | C |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2004 | GA | Primary | Refinance - UTD | C |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2004 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 7/XX/2004 | GA | Primary | Refinance - UTD | C |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | GA | Primary | Refinance - UTD | D |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was XX/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | GA | Primary | Refinance - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226849 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | Not provided |  |  |  |  |  |  | 3 | 7/XX/2004 | GA | Primary | Refinance - UTD | B |  |  | No |
| 2965227122 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | TX | Second Home | Purchase | B |  |  | No |
| 2965227673 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227673 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | Missouri Prepayment Penalty | Missouri Prepayment Penalty: Loan contains an impermissible prepayment penalty; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227673 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | MO | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227673 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $784,041.72 is underdisclosed from calculated Finance Charge of $807,351.53 in the amount of $23,309.81. | Approval indicates index value used is 2.504%. The closest Index available in our look-back period is 2.6333% |  |  |  |  |  |  | 3 | 5/XX/2005 | MO | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227673 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | MO | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227618 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227618 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227618 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227618 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 5/XX/2003 | NJ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227109 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227427 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2004 | IN | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227427 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2004 | IN | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227471 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227471 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | CA | Primary | Purchase | B |  |  | No |
| 2965227127 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227127 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 2/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227127 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227127 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227127 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty Test | California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the unpaid balance, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227127 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $467,299.49 is underdisclosed from calculated Finance Charge of $499,498.80 in the amount of $32,199.31. | Under disclosure due to Unable to determine index used by lender. Used index of 2.17080% |  |  |  |  |  |  | 3 | 2/XX/2005 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965226852 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2004 | GA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226852 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2004 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226852 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 9/XX/2004 | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226852 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 9/XX/2004 | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227221 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 10/XX/2004 | CA | Investment | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2965227221 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | CA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227221 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 10/XX/2004 | CA | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227302 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2004 | MO | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227302 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227302 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227302 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 11/XX/2004 | MO | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227302 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 11/XX/2004 | MO | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227453 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | IL | Primary | Purchase | B |  |  | No |
| 2965227453 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2004 | IL | Primary | Purchase | B |  |  | No |
| 2965227453 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 12/XX/2004 | IL | Primary | Purchase | B |  |  | No |
| 2965226912 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | NC | Primary | Purchase | B |  |  | No |
| 2965226912 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | NC | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226912 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | NC | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226938 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | FL | Second Home | Purchase | B |  |  | No |
| 2965226938 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | FL | Second Home | Purchase | B |  |  | No |
| 2965226938 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Disparity in Occupancy - Not High Cost | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home) |  |  |  |  |  |  |  | 2 | 2/XX/2005 | FL | Second Home | Purchase | B |  |  | No |
| 2965227780 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2005 | UT | Investment | Purchase | C |  |  | No |
| 2965227780 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | UT | Investment | Purchase | B |  |  | No |
| 2965227369 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227369 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227369 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227665 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227665 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $413,074.25 is underdisclosed from calculated Finance Charge of $424,890.10 in the amount of $11,815.85. | Closing instructions indicate the Index used was 2.347%. The closest Index available in our look-back period is 2.5042%. |  |  |  |  |  |  | 3 | 4/XX/2005 | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227055 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227055 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227055 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227055 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226855 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | FL | Second Home | Purchase | B |  |  | No |
| 2965227301 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227301 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $161,879.13 is underdisclosed from calculated Finance Charge of $166,889.23 in the amount of $5,010.10. | Closing instructions indicate the Index used was 2.504%. The lowest Index available within the look-back period is 2.6333%. |  |  |  |  |  |  | 3 | 5/XX/2005 | CO | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227482 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227482 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227482 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227482 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227482 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227482 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227482 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227636 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227636 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227636 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | State Compliance | State Defect | Illinois Prepayment Penalty | Illinois Prepayment Penalty (llinois Interest Act): Prepayment penalty not permissible; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. | PPP Expired. PPP of 6 months interest exceeds (IL) limit of no prepayment allowed on loans where APR exceeds 8%. Note indicates maximum APR Of 9.95%. Lender is XXX. |  |  |  |  |  |  | 2 | 9/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227636 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227636 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227595 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227595 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227595 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227595 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227595 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227595 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227435 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2006 | MD | Primary | Purchase | C |  |  | No |
| 2965227435 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | State Compliance | State Defect | Maryland Prepayment Penalty Test | Maryland Prepayment Penalty: Prepayment penalty not permissible by state law; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | MD | Primary | Purchase | B |  |  | No |
| 2965227435 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227435 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227852 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227852 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227852 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227852 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227852 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227115 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227115 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | Unable to test Affiliated Business Disclosure due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227115 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227115 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227115 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227115 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227115 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $604,765.39 is underdisclosed from calculated Finance Charge of $620,349.48 in the amount of $15,584.09. | Closing Instructions indicate an index of 2.865% was used at origination, however, the lowest Index available within the look-back period is 3.01920%. |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965226999 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $150,602.20 is underdisclosed from calculated Finance Charge of $155,496.54 in the amount of $4,894.34. | Under disclosure due to incorrect index used at origination of 3.16630%. Lowest index available in the look back is 3.32580% |  |  |  |  |  |  | 3 | 11/XX/2005 | FL | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227840 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227840 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227840 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty Test | California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the unpaid balance, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 2/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227840 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227840 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227840 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,101,723.91 is underdisclosed from calculated Finance Charge of $1,118,875.57 in the amount of $17,151.66. | Loan Approval indicates the Index used was 3.751%. The closest Index available in our look-back period is 3.8883% |  |  |  |  |  |  | 3 | 2/XX/2006 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227304 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $619,096.08 is underdisclosed from calculated Finance Charge of $627,049.29 in the amount of $7,953.21. | Under disclosure is due to the lender utilizing an index value of 4.143% per the approval, however the lowest index value available in the lookback period is 4.2817%. |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227304 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227304 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227304 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227197 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | TX | Investment | Refinance - Rate/Term | B |  |  | No |
| 2965227773 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227773 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227773 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | State Defect | New York Prepayment Penalty | New York Prepayment Penalty: Adjustable rate loan greater than $250,000 contains an impermissible prepayment penalty of greater than 12 months. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227773 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227773 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227773 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $464,478.47 is underdisclosed from calculated Finance Charge of $473,181.66 in the amount of $8,703.19. | Under disclosure is due to the lender utilizing an index value of 4.143% per the loan approval. however the lowest index value available in the look back period is 4.281%. |  |  |  |  |  |  | 3 | 5/XX/2006 | NY | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227227 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | GA | Investment | Purchase | B |  |  | No |
| 2965227134 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227134 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227134 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227134 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227134 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227134 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227160 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | UT | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227656 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | TX | Second Home | Purchase | B |  |  | No |
| 2965227656 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2008 | TX | Second Home | Purchase | B |  |  | No |
| 2965227656 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2008 | TX | Second Home | Purchase | B |  |  | No |
| 2965227656 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  | 3 | 6/XX/2008 | TX | Second Home | Purchase | B |  |  | No |
| 2965227656 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $276,416.79 is underdisclosed from calculated Finance Charge of $276,563.41 in the amount of $146.62. |  |  |  |  |  |  |  | 3 | 6/XX/2008 | TX | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965226924 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | WA | Primary | Purchase | B |  |  | No |
| 2965226924 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | WA | Primary | Purchase | B |  |  | No |
| 2965226924 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | WA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226924 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that Borrowers received |  |  |  |  |  |  | 3 | 7/XX/2006 | WA | Primary | Purchase | B |  |  | No |
| 2965227601 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2008 | IA | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2965227601 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2008 | IA | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2965227601 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2008 | IA | Second Home | Refinance - Rate/Term | B |  |  | No |
| 2965227352 | XXX | XXX | XXX | XXX | 11/06/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227352 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2005 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/03): HUD provided. Exception cleared | 12/03/2019 |  |  |  | 1 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227352 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/03): HUD provided. Exception cleared<br>Seller Comment (2019/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted. The missing fully executed final HUD-1 compliance documents required to test have been located and uploaded in DMP as Appeal 1 | 12/03/2019 |  |  |  | 1 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227352 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/03): HUD provided. Exception cleared | 12/03/2019 |  |  |  | 1 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227352 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227352 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227352 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227352 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227352 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227352 | XXX | XXX | XXX | XXX | 12/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227609 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2005 | MD | Primary | Purchase | B |  |  | No |
| 2965227609 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227609 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227609 | XXX | XXX | XXX | XXX | 11/06/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | MD | Primary | Purchase | C |  |  | No |
| 2965227609 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | MD | Primary | Purchase | B |  |  | No |
| 2965227609 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 7/XX/2005 | MD | Primary | Purchase | B |  |  | No |
| 2965227609 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $441,292.93 is underdisclosed from calculated Finance Charge of $441,407.45 in the amount of $114.52. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 7/XX/2005 | MD | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227825 | XXX | XXX | XXX | XXX | 11/06/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | NY | Primary | Purchase | C |  |  | No |
| 2965227825 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Purchase | B |  |  | No |
| 2965227825 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | NY | Primary | Purchase | B |  |  | No |
| 2965227825 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227825 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | NY | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227825 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 7/XX/2005 | NY | Primary | Purchase | B |  |  | No |
| 2965227328 | XXX | XXX | XXX | XXX | 11/06/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2006 | NC | Second Home | Purchase | C |  |  | No |
| 2965227328 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NC | Second Home | Purchase | B |  |  | No |
| 2965227328 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NC | Second Home | Purchase | B |  |  | No |
| 2965227328 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 6.48100% is underdisclosed from calculated APR of 7.44562% outside of 0.125% tolerance. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227328 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $249,372.70 is underdisclosed from calculated Finance Charge of $302,042.13 in the amount of $52,669.43. | Closing instructions indicate the index used was 4.111% and the closest index in look back is 5.080% |  |  |  |  |  |  | 3 | 5/XX/2006 | NC | Second Home | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227328 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 5/XX/2006 | NC | Second Home | Purchase | B |  |  | No |
| 2965227328 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NC | Second Home | Purchase | B |  |  | No |
| 2965227328 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NC | Second Home | Purchase | B |  |  | No |
| 2965227328 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2006 | NC | Second Home | Purchase | B |  |  | No |
| 2965226887 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226887 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226887 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | TX | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226887 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but it is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227065 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | ME | Investment | Purchase | B |  |  | No |
| 2965227554 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227554 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227554 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227554 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MD | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | FL | UTD | UTD - UTD | C |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/04): Note provided. Exception cleared. | 12/04/2019 |  |  |  | 1 | 4/XX/2005 | FL | UTD | UTD - UTD | A |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2019/XX/04): Exception cleared and replaced with new exception from compliance run. | 12/04/2019 |  |  |  | 1 | 4/XX/2005 | FL | UTD | UTD - UTD | A |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | File only contains Mortgage and Title. Compliance testing not completed. |  | Reviewer Comment (2019/XX/04): Note provided. Exception cleared. | 12/04/2019 |  |  |  | 1 | 4/XX/2005 | FL | UTD | UTD - UTD | A |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2019/XX/04): Cleared and replaced with new exception from compliance run. | 12/04/2019 |  |  |  | 1 | 4/XX/2005 | FL | UTD | UTD - UTD | A |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing |  |  |  | Reviewer Comment (2019/XX/04): Cleared and replaced with new exception from compliance run. | 12/04/2019 |  |  |  | 1 | 4/XX/2005 | FL | UTD | UTD - UTD | A |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | FL | UTD | UTD - UTD | D |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | FL | UTD | UTD - UTD | No Defined Cure B |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | FL | UTD | UTD - UTD | No Defined Cure B |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226796 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | NV | UTD | Purchase | C |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | NV | UTD | Purchase | B |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | NV | UTD | Purchase | B |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | NV | UTD | Purchase | B |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain Preliminary or Final Title |  |  |  |  |  |  | 3 | 4/XX/2005 | NV | UTD | Purchase | C |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2005 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/04): HUD provided. Exception cleared | 12/04/2019 |  |  |  | 1 | 4/XX/2005 | NV | UTD | Purchase | A |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/04): HUD provided. Exception cleared<br>Seller Comment (2019/XX/04): The issue cited has either been resolved or was determined to not be an exception as noted. We have located a copy of the certified final HUD from origination dated 04/XX/05. Supporting documentation uploaded as XXX#XXX_Compliance Documents | 12/04/2019 |  |  |  | 1 | 4/XX/2005 | NV | UTD | Purchase | A |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  | Reviewer Comment (2019/XX/04): HUD provided. Exception cleared | 12/04/2019 |  |  |  | 1 | 4/XX/2005 | NV | UTD | Purchase | A |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | NV | UTD | Purchase | B |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | NV | UTD | Purchase | No Defined Cure B |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | NV | UTD | Purchase | No Defined Cure B |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | Reviewer Comment (2019/XX/04): HUD provided. Exception cleared | 12/04/2019 |  |  |  | 1 | 4/XX/2005 | NV | UTD | Purchase | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | NV | UTD | Purchase | B |  |  | No |
| 2965226853 | XXX | XXX | XXX | XXX | 12/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | NV | UTD | Purchase | B |  |  | No |
| 2965227876 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | GA | Investment | Purchase | B |  |  | No |
| 2965226928 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | SC | Investment | Purchase | C |  |  | No |
| 2965226928 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | SC | Investment | Purchase | C |  |  | No |
| 2965226928 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | SC | Investment | Purchase | B |  |  | No |
| 2965226807 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2005 | FL | Investment | Purchase | C |  |  | No |
| 2965226807 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2005 | FL | Investment | Purchase | B |  |  | No |
| 2965227113 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | NC | Investment | Purchase | D |  |  | No |
| 2965226931 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2004 | NC | Primary | Construction-Permanent | C |  |  | No |
| 2965226931 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2004 | NC | Primary | Construction-Permanent | B |  |  | No |
| 2965226931 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 11/XX/2004 | NC | Primary | Construction-Permanent | B |  |  | No |
| 2965226931 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | NC | Primary | Construction-Permanent | B |  |  | No |
| 2965226931 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2004 | NC | Primary | Construction-Permanent | No Defined Cure B |  |  | No |
| 2965226931 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2004 | NC | Primary | Construction-Permanent | No Defined Cure B |  |  | No |
| 2965226931 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 11/XX/2004 | NC | Primary | Construction-Permanent | B |  |  | No |
| 2965226929 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | OR | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226929 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | OR | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226929 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2007 | OR | Primary | Purchase | B |  |  | No |
| 2965226929 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 9/XX/2007 | OR | Primary | Purchase | B |  |  | No |
| 2965227201 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/1996 | CA | UTD | Purchase | C |  |  | No |
| 2965227201 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1996 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/1996 | CA | UTD | Purchase | B |  |  | No |
| 2965227201 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 8/XX/1996 | CA | UTD | Purchase | D |  |  | No |
| 2965227201 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1996 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 8/XX/1996 | CA | UTD | Purchase | B |  |  | No |
| 2965227201 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/1996 | CA | UTD | Purchase | No Defined Cure B |  |  | No |
| 2965227201 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/1996 | CA | UTD | Purchase | No Defined Cure B |  |  | No |
| 2965227201 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/1996 | CA | UTD | Purchase | B |  |  | No |
| 2965227201 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/1996 | CA | UTD | Purchase | B |  |  | No |
| 2965227201 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/1996 | CA | UTD | Purchase | B |  |  | No |
| 2965227201 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 8/XX/1996 | CA | UTD | Purchase | B |  |  | No |
| 2965227661 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/1994 | CO | Primary | Purchase | C |  |  | No |
| 2965227661 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 10/XX/1994 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 10/XX/1994 | CO | Primary | Purchase | B |  |  | No |
| 2965227661 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 10/XX/1994 | CO | Primary | Purchase | D |  |  | No |
| 2965227661 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 10/XX/1994 | CO | Primary | Purchase | B |  |  | No |
| 2965227661 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 10/XX/1994 | CO | Primary | Purchase | B |  |  | No |
| 2965227661 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/1994 | CO | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227661 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/1994 | CO | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227661 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 10/XX/1994 | CO | Primary | Purchase | C |  |  | No |
| 2965227661 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 10/XX/1994 | CO | Primary | Purchase | B |  |  | No |
| 2965227661 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/1994 | CO | Primary | Purchase | B |  |  | No |
| 2965227327 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/1999 | MI | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227327 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/1999 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227327 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 12/XX/1999 | MI | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227327 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Final TIL Estimated | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  |  |  |  |  |  | 2 | 12/XX/1999 | MI | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227327 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $180,271.73 is underdisclosed from calculated Finance Charge of $180,667.62 in the amount of $395.89. | TIL Itemization did not disclose the closing fee of $300 as a prepaid finance charge. |  |  |  |  |  |  | 3 | 12/XX/1999 | MI | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/1994 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/1994 | CA | UTD | Purchase | B |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 9/XX/1994 | CA | UTD | Purchase | D |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1994 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 9/XX/1994 | CA | UTD | Purchase | B |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 9/XX/1994 | CA | UTD | Purchase | B |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/1994 | CA | UTD | Purchase | No Defined Cure B |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 9/XX/1994 | CA | UTD | Purchase | No Defined Cure B |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 9/XX/1994 | CA | UTD | Purchase | B |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/1994 | CA | UTD | Purchase | C |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/1994 | CA | UTD | Purchase | B |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/1994 | CA | UTD | Purchase | B |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 9/XX/1994 | CA | UTD | Purchase | B |  |  | No |
| 2965227592 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. | verified - rate increase |  |  |  |  |  |  | 2 | 9/XX/1994 | CA | UTD | Purchase | B |  |  | No |
| 2965227741 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 8/XX/2009 | CA | Primary | Purchase | B |  |  | No |
| 2965227741 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete Initial TIL | Initial TIL not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2009 | CA | Primary | Purchase | B |  |  | No |
| 2965227741 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2009 | CA | Primary | Purchase | B |  |  | No |
| 2965227741 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2009 | CA | Primary | Purchase | B |  |  | No |
| 2965227741 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2009 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227741 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2009 | CA | Primary | Purchase | B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | VA | UTD | UTD - UTD | C |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain preliminary nor final title. |  |  |  |  |  |  | 3 | 4/XX/2005 | VA | UTD | UTD - UTD | C |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | VA | UTD | UTD - UTD | B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | VA | UTD | UTD - UTD | B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | VA | UTD | UTD - UTD | B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 01/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | VA | UTD | UTD - UTD | B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | VA | UTD | UTD - UTD | D |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | VA | UTD | UTD - UTD | B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | VA | UTD | UTD - UTD | B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Tangible Net Benefit Test | Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | VA | UTD | UTD - UTD | B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | VA | UTD | UTD - UTD | No Defined Cure B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | VA | UTD | UTD - UTD | No Defined Cure B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | VA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227212 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | VA | UTD | UTD - UTD | B |  |  | No |
| 2965227858 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2001 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227858 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either a Preliminary or Final Title. |  |  |  |  |  |  | 3 | 12/XX/2001 | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227858 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2001 | NC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227858 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2001 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227858 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2001 | NC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227858 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 12/XX/2001 | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226968 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2003 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226968 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226968 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing HELOC - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. | The signature is not dated. |  |  |  |  |  |  | 3 | 9/XX/2003 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226968 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226968 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2003 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226968 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 09/XX/2003, prior to three (3) business days from transaction date of 09/XX/2003. |  |  |  |  |  |  |  | 3 | 9/XX/2003 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226909 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226909 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226909 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226909 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2006 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226909 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226909 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 12/XX/2006 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227651 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227651 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 12/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227651 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 12/XX/2007 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227651 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227651 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227651 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227873 | XXX | XXX | XXX | XXX | 11/18/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2004 | MO | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227873 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/2004 | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227873 | XXX | XXX | XXX | XXX | 11/18/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 8/XX/2004 | MO | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227873 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227873 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227873 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | MO | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227873 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227873 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | MO | Primary | Refinance - Rate/Term | D |  |  | No |
| 2965227873 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | MO | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227670 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2004 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227670 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 7/XX/2004 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227670 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Signed | Truth in Lending Act (HELOC): Credit Agreement not signed by borrower(s). |  |  |  |  |  |  |  | 3 | 7/XX/2004 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227670 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - HELOC Brochure Missing | Truth in Lending Act (HELOC): HELOC Brochure not provided to borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227670 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227670 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227670 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227670 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/2004 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227670 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Missing | Truth in Lending Act (HELOC): "Important Terms" disclosure not provided to borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227670 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226996 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2003 | GA | Primary | Purchase | B |  |  | No |
| 2965226996 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 10/XX/2003 | GA | Primary | Purchase | B |  |  | No |
| 2965226996 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2003 | GA | Primary | Purchase | C |  |  | No |
| 2965227456 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227456 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227456 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227520 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2003 | CA | Primary | Purchase | C |  |  | No |
| 2965227520 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/26): Escrow state HUD still needs CTC stamp or settlement agent signature. Exception remains.<br>Seller Comment (2019/XX/26): "The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Final HUD1 <br> " |  |  |  |  | 3 | 11/XX/2003 | CA | Primary | Purchase | D |  |  | No |
| 2965227057 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2003 | SC | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227057 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2003 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227057 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2003 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227121 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2004 | NV | Second Home | Purchase | B |  |  | No |
| 2965227121 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2004 | NV | Second Home | Purchase | C |  |  | No |
| 2965227415 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | MI | Primary | Purchase | B |  |  | No |
| 2965227415 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | MI | Primary | Purchase | B |  |  | No |
| 2965227415 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | MI | Primary | Purchase | B |  |  | No |
| 2965227415 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | MI | Primary | Purchase | B |  |  | No |
| 2965227409 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227409 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 8/XX/2004 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227094 | XXX | XXX | XXX | XXX | 11/06/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2004 | SC | Second Home | Purchase | C |  |  | No |
| 2965227094 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2004 | SC | Second Home | Purchase | B |  |  | No |
| 2965226985 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226985 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226961 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2004 | OR | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965226961 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 11/XX/2004 | OR | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226961 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  |  |  | 3 | 11/XX/2004 | OR | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227451 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227451 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227451 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227451 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $439,233.11 is underdisclosed from calculated Finance Charge of $439,331.38 in the amount of $98.27. | Under disclosure due to lender used index lower than only index available in look back of 2.73670% |  |  |  |  |  |  | 3 | 6/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227339 | XXX | XXX | XXX | XXX | 11/18/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227339 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $408,632.10 is underdisclosed from calculated Finance Charge of $420,465.53 in the amount of $11,833.43. | Under disclosure is due to the lender utilizing an index value of 2.171% per the approval, however the lowest index value available in the lookback period is 2.3467%. |  |  |  |  |  |  | 3 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227339 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227339 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227339 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227339 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227339 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227124 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227124 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227124 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227124 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227124 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2005 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227124 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 1/XX/2005 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227124 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $258,663.53 is underdisclosed from calculated Finance Charge of $276,216.78 in the amount of $17,553.25. | Under disclosure is due to the lender utilizing an index value of 1.96% per the loan approval, however the lowest index value available in the lookback period is 2.11%. |  |  |  |  |  |  | 3 | 1/XX/2005 | MA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227437 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | IL | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227437 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $368,062.91 is underdisclosed from calculated Finance Charge of $389,372.34 in the amount of $21,309.43. | Under disclosure due to lender used index lower than only index available in look back of 3.01920% |  |  |  |  |  |  | 3 | 8/XX/2005 | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227093 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227093 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | MA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227093 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227093 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | MA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227354 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227354 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227354 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $722,170.07 is underdisclosed from calculated Finance Charge of $764,254.44 in the amount of $42,084.37. | Closing Instructions indicate an index of 2.676% was used at origination, however, the lowest Index available within the look-back period is 2.87%. |  |  |  |  |  |  | 3 | 8/XX/2005 | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227133 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227133 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227133 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $281,822.92 is underdisclosed from calculated Finance Charge of $289,436.12 in the amount of $7,613.20. | Closing Instructions indicate an index of 3.019% was used at origination, however, the lowest Index available within the look-back period is 3.1633%. |  |  |  |  |  |  | 3 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227133 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 9/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227126 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227126 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227126 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $519,012.72 is underdisclosed from calculated Finance Charge of $531,606.49 in the amount of $12,593.77. | Closing Instructions indicate an index of 3.326% was used at origination, however, the lowest Index available within the look-back period is 3.4783%. |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227126 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227126 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227275 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227275 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227275 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227275 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227275 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $247,173.37 is underdisclosed from calculated Finance Charge of $253,448.40 in the amount of $6,275.03. | Closing Instructions indicate an index of 3.163% was used at origination, however, the lowest Index available within the look-back period is 3.3258%. |  |  |  |  |  |  | 3 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227275 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 10/XX/2005, prior to three (3) business days from transaction date of 10/XX/2005. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227275 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227275 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227095 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227095 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty Test | California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the unpaid balance, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Purchase | B |  |  | No |
| 2965227095 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227545 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227545 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227545 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $632,307.71 is underdisclosed from calculated Finance Charge of $654,052.74 in the amount of $21,745.03. | Closing Instructions indicate an index of 3.326% was used at origination, however, the lowest Index available within the look-back period is 3.4783%. |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227332 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227332 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2006, prior to three (3) business days from transaction date of 01/XX/2006. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227602 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227602 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227602 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/26): Final HUD provided. Exception cleared.<br>Seller Comment (2019/XX/26): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Final HUD-1. | 11/26/2019 |  |  |  | 1 | 1/XX/2006 | CA | Primary | Purchase | A |  |  | No |
| 2965227637 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TIL APR Tolerance Irregular Transaction | Truth In Lending Act: Final TIL APR of 5.66200% is underdisclosed from calculated APR of 5.92822% outside of 0.125% tolerance. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227637 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $379,340.34 is underdisclosed from calculated Finance Charge of $408,446.58 in the amount of $29,106.24. | Closing Instructions indicate index value used is 3.019%; closest index available in lookback period is 3.3258% |  |  |  |  |  |  | 3 | 11/XX/2005 | VA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227086 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | Unable to determine FACTA Credit Score Disclosure was provided due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227086 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227086 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227086 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227086 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227086 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227086 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $1,943,643.22 is underdisclosed from calculated Finance Charge of $2,034,691.45 in the amount of $91,048.23. | Under disclosure due to lender used index of 3.163%, lowest index in look back is 3.32580% |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227086 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2005, prior to three (3) business days from transaction date of 11/XX/2005. |  |  |  |  |  |  |  | 3 | 11/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227759 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227759 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227759 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227759 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227759 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $427,867.11 is underdisclosed from calculated Finance Charge of $438,853.23 in the amount of $10,986.12. | Closing Instructions indicate an index of 3.163% was used at origination, however, the lowest Index available within the look-back period is 3.325%. |  |  |  |  |  |  | 3 | 10/XX/2005 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227740 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227042 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227042 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227042 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965226902 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226902 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226902 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 7/XX/2006 | FL | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965226902 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. | HUD page 2 cutoff at the bottom of the form unable to verify all fees. |  | Reviewer Comment (2019/XX/26): HUD provided still cut off. Exception remains.<br>Seller Comment (2019/XX/26): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Final HUD-1. |  |  |  |  | 3 | 7/XX/2006 | FL | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965226810 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | VT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226810 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | VT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226810 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | VT | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227491 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | MI | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227491 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227491 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227491 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227491 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227491 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227269 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/26): HUD provided unsigned. Exception remains.<br>Seller Comment (2019/XX/26): The issue cited has either been resolved or was determined to not be an exception as noted. The final HUD-1 was located in the loan file. Please take note that it is common practice for loans funded in a dry funding state, such as California where the subject loan was funded, not to have signatures or a certified stamp. Loans in the above mentioned state are allowed to be funded prior to the disbursement of funds and without the borrower(s) being present to sign documents. However, the HUD-1 must reflect that it is "Final", which it does. Supporting documentation uploaded in DMP as Appeal 1 |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | D |  |  | No |
| 2965227269 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227269 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227526 | XXX | XXX | XXX | XXX | 11/01/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2006 | TX | Primary | Purchase | C |  |  | No |
| 2965227526 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227526 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227340 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 5/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227340 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227340 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227340 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | State Defect | Oregon Prepayment Penalty Max Prepay | Oregon Prepayment Penalty: Loan agreement or Note does not clearly state the maximum prepayment penalty applicable to each year of the loan. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227340 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | OR | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227340 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | OR | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227340 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227340 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 5/XX/2006 | OR | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227603 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227603 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty greater than 6 months interest on the amount prepaid in excess of 20% of the original amount, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227603 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227603 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227603 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227603 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227603 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227603 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227255 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227255 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227255 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227255 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227255 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227255 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227255 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227848 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227848 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227848 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227848 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | MI | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227848 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $217,049.49 is underdisclosed from calculated Finance Charge of $219,530.85 in the amount of $2,481.36. | It appears a lower Index was used at origination than the 4.66420% Index available within the look-back period. |  |  |  |  |  |  | 3 | 8/XX/2006 | MI | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227848 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2006, prior to three (3) business days from transaction date of 08/XX/2006. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | MI | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226851 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226851 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226851 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 2/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226851 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | WA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226905 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | WA | Primary | Purchase | C |  |  | No |
| 2965226905 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | WA | Primary | Purchase | B |  |  | No |
| 2965226905 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | WA | Primary | Purchase | B |  |  | No |
| 2965227311 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227311 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227311 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227311 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227311 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227311 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MI | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227553 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227553 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | IL | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227553 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227188 | XXX | XXX | XXX | XXX | 11/01/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | UT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227253 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227253 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227253 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227253 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227449 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227449 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227449 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | IL | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965226913 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | VA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965226913 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | VA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226913 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | VA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965226913 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | VA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227207 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227207 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227207 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure B |  |  | No |
| 2965227207 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227207 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227834 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227279 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty | California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227389 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227389 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227389 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227389 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227389 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227389 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227389 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227389 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227215 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/03): Stamped HUD provided. Exception cleared.<br>Seller Comment (2019/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted. The missing stamped certified final HUD-1 compliance documents required to test have been located and uploaded in DMP as Appeal 1 | 12/03/2019 |  |  |  | 1 | 7/XX/2007 | CA | Primary | Purchase | A |  |  | No |
| 2965227215 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | State Compliance | State Defect | California Prepayment Penalty ARM Test | California Prepayment Penalty: Interest rate increase may be invalid due to borrower not being permitted to prepay the loan without penalty within 90 days of notification of any increase in the interest rate, depending on the lender's license type. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227215 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227215 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227620 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | NY | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227467 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226914 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226914 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | AZ | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227748 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | PA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227748 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | PA | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227688 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227688 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227395 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | C |  |  | No |
| 2965227395 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227454 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 9/XX/2007 | WA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227454 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/03): Escrow state HUD still needs CTC stamp or settlement agent signature. Exception remains.<br>Seller Comment (2019/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted. The final HUD-1 was located in the loan file. Please take note that it is common practice for loans funded in a dry funding state, such as Washington where the subject loan was funded, not to have signatures or a certified stamp. Loans in the above mentioned state are allowed to be funded prior to the disbursement of funds and without the borrower(s) being present to sign documents. However, the HUD-1 must reflect that it is "Final", which it does. "Supporting Documentation uploaded in DMP as Appeal 1". |  |  |  |  | 3 | 9/XX/2007 | WA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2965227643 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | VA | Primary | Purchase | C |  |  | No |
| 2965227643 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | VA | Primary | Purchase | B |  |  | No |
| 2965227643 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | VA | Primary | Purchase | B |  |  | No |
| 2965227346 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | CA | Primary | Purchase | C |  |  | No |
| 2965227346 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | CA | Primary | Purchase | B |  |  | No |
| 2965227346 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | CA | Primary | Purchase | B |  |  | No |
| 2965227346 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | CA | Primary | Purchase | B |  |  | No |
| 2965226819 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | NC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227087 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | FL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227680 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2008 | IN | Investment | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227598 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | IL | Primary | Purchase | B |  |  | No |
| 2965227598 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | IL | Primary | Purchase | B |  |  | No |
| 2965227598 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | IL | Primary | Purchase | B |  |  | No |
| 2965227598 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  |  |  |  | 2 | 5/XX/2013 | IL | Primary | Purchase | B |  |  | No |
| 2965227598 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA (2010) - 10% Tolerance With Cure | RESPA (2010): 10% tolerance violation with evidence of cure provided on Final HUD-1. |  |  |  |  |  |  |  | 2 | 5/XX/2013 | IL | Primary | Purchase | B |  |  | No |
| 2965227598 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $156,829.18 is underdisclosed from calculated Finance Charge of $157,564.23 in the amount of $735.05. |  |  |  |  |  |  |  | 3 | 5/XX/2013 | IL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227481 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2008 | MO | Primary | Purchase | B |  |  | No |
| 2965227481 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date; cannot confirm date received by Borrower |  |  |  |  |  |  | 3 | 8/XX/2008 | MO | Primary | Purchase | B |  |  | No |
| 2965227861 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | AR | Primary | Purchase | B |  |  | No |
| 2965227861 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | AR | Primary | Purchase | B |  |  | No |
| 2965227062 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | AR | Second Home | Purchase | B |  |  | No |
| 2965227062 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | AR | Second Home | Purchase | B |  |  | No |
| 2965227062 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2007 | AR | Second Home | Purchase | B |  |  | No |
| 2965227062 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 8/XX/2007 | AR | Second Home | Purchase | B |  |  | No |
| 2965226962 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CT | Primary | Purchase | B |  |  | No |
| 2965226962 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | CT | Primary | Purchase | B |  |  | No |
| 2965226962 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $300,114.89 is underdisclosed from calculated Finance Charge of $300,876.66 in the amount of $761.77. | Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  |  |  | 3 | 10/XX/2007 | CT | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965226962 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 10/XX/2007 | CT | Primary | Purchase | B |  |  | No |
| 2965227422 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 7/XX/1997 | NJ | UTD | UTD - UTD | C |  |  | No |
| 2965227422 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 7/XX/1997 | NJ | UTD | UTD - UTD | B |  |  | No |
| 2965227422 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/1997 | NJ | UTD | UTD - UTD | B |  |  | No |
| 2965227422 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 7/XX/1997 | NJ | UTD | UTD - UTD | B |  |  | No |
| 2965227422 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1997 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 7/XX/1997 | NJ | UTD | UTD - UTD | B |  |  | No |
| 2965227422 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 7/XX/1997 | NJ | UTD | UTD - UTD | D |  |  | No |
| 2965227422 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 7/XX/1997 | NJ | UTD | UTD - UTD | B |  |  | No |
| 2965227422 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 7/XX/1997 | NJ | UTD | UTD - UTD | B |  |  | No |
| 2965227422 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 7/XX/1997 | NJ | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227422 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 7/XX/1997 | NJ | UTD | UTD - UTD | B |  |  | No |
| 2965226990 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226990 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226990 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  | 3 | 6/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226990 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226832 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/03): Note provided. Exceptions cleared.<br>Seller Comment (2019/XX/03): "The issue cited has either been resolved or was determined to not be an exception as noted. We have located the note in the loan file. Page (1 of 3) of the Subject Lien's Note indicates a monthly payment of $XXX due on the 1st day of each month commencing on XX/XX/2006. Per page (2 of 3) of the Subject Lien's Note; if the Note Holder has not received the full monthly payment by the end of 15 calendar days after the date it is due; the amount of the late charge will be 5% of the overdue payment of principal & interest. ($XXX x 5% = Approximately $XXX). ""Supporting Documentation uploaded in DMP as Appeal 1"". <br> " | 12/03/2019 |  |  |  | 1 | 8/XX/2006 | TX | Primary | Purchase | A |  |  | No |
| 2965226832 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965226832 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | State Late Charge | (Missing Data) Late Charge | Late Charge Type was not provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/03): Note provided. Exceptions cleared.<br>Seller Comment (2019/XX/03): "The issue cited has either been resolved or was determined to not be an exception as noted. We have located the note in the loan file. Page (1 of 3) of the Subject Lien's Note indicates a monthly payment of $XXX due on the 1st day of each month commencing on XX/XX/2006. Per page (2 of 3) of the Subject Lien's Note; if the Note Holder has not received the full monthly payment by the end of 15 calendar days after the date it is due; the amount of the late charge will be 5% of the overdue payment of principal & interest. ($XXX x 5% = Approximately $XXX). ""Supporting Documentation uploaded in DMP as Appeal 1"". <br> " | 12/03/2019 |  |  |  | 1 | 8/XX/2006 | TX | Primary | Purchase | A |  |  | No |
| 2965226832 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Note Information | Missing information has been found on the Note. The following fields are missing and are being treated as "No" for the purpose of Compliance testing. Mandatory Arbitration. |  |  | Reviewer Comment (2019/XX/04): Note provided - no mandatory arbitration on loan | 12/04/2019 |  |  |  | 1 | 8/XX/2006 | TX | Primary | Purchase | A |  |  | No |
| 2965226925 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | NM | Primary | Purchase | B |  |  | No |
| 2965226925 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2005 | NM | Primary | Purchase | B |  |  | No |
| 2965226925 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 2/XX/2005 | NM | Primary | Purchase | B |  |  | No |
| 2965226925 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 2/XX/2005 | NM | Primary | Purchase | B |  |  | No |
| 2965226833 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965226833 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965226833 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2007 | NY | Primary | Purchase | B |  |  | No |
| 2965227242 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | NV | Primary | Purchase | B |  |  | No |
| 2965227242 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | NV | Primary | Purchase | B |  |  | No |
| 2965227242 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | NV | Primary | Purchase | B |  |  | No |
| 2965227242 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2007 | NV | Primary | Purchase | B |  |  | No |
| 2965227034 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227034 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227034 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227034 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227034 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227034 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227785 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227785 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | GA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227785 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227785 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227544 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2001 | TX | UTD | Purchase | C |  |  | No |
| 2965227544 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2001 | TX | UTD | Purchase | B |  |  | No |
| 2965227544 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2001 | TX | UTD | Purchase | B |  |  | No |
| 2965227544 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2001 | TX | UTD | Purchase | B |  |  | No |
| 2965227544 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2001 | TX | UTD | Purchase | B |  |  | No |
| 2965227544 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 6/XX/2001 | TX | UTD | Purchase | B |  |  | No |
| 2965227249 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965227249 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965227249 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 12/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965227249 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965227249 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965227074 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965227074 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965227074 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965227074 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 5/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965227072 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/03): Escrow state HUD still needs CTC stamp or settlement agent signature. Exception remains.<br>Seller Comment (2019/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted. A copy of the HUD1 has been located and is being provided. Supporting docs are being uploaded as XXX#XXX_Compliance Documents |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Purchase | D |  |  | No |
| 2965227072 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227072 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227072 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227072 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227072 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965226910 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | TX | Primary | Purchase | B |  |  | No |
| 2965226910 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2008 | TX | Primary | Purchase | B |  |  | No |
| 2965226910 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2008 | TX | Primary | Purchase | B |  |  | No |
| 2965226910 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 1/XX/2008 | TX | Primary | Purchase | B |  |  | No |
| 2965227376 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227376 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227376 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227376 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227376 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226967 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by Borrower |  |  |  |  |  |  | 3 | 10/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226967 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226967 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226967 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965226967 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 10/XX/2006 | AZ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226904 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | GA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227308 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227308 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227308 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227308 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227308 | XXX | XXX | XXX | XXX | 11/04/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227308 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227308 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227433 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226927 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965226927 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965226927 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 2/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965226927 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 2/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 10/31/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/03): Note provided. Exceptions cleared.<br>Seller Comment (2019/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted. We have located a copy of the Note from origination. Supporting documentation uploaded as XXX#XXX_Compliance Documents. | 12/03/2019 |  |  |  | 1 | 4/XX/2005 | TX | Primary | Purchase | A |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 10/31/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | TX | Primary | Purchase | C |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 10/31/2019 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  | Reviewer Comment (2019/XX/03): Exception added with Compliance testing. | 12/03/2019 |  |  |  | 1 | 4/XX/2005 | TX | Primary | Purchase | A |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 10/31/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1 |  |  |  | Reviewer Comment (2019/XX/03): HUD provided. Exception cleared<br>Reviewer Comment (2019/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted. We have located a copy of the final HUD from origination dated 04/XX/05. Supporting documentation uploaded as XXX#XXX_Compliance Documents. | 12/03/2019 |  |  |  | 1 | 4/XX/2005 | TX | Primary | Purchase | A |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 10/31/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing |  |  |  |  |  |  |  |  | 3 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 10/31/2019 | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | File only contains Mortgage and Title Policy. Compliance testing not completed. |  | Reviewer Comment (2019/XX/03): Note and HUD provided. Compliance testing completed. | 12/03/2019 |  |  |  | 1 | 4/XX/2005 | TX | Primary | Purchase | A |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 10/31/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 12/03/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 12/03/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 12/03/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No |
| 2965227303 | XXX | XXX | XXX | XXX | 12/03/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 4/XX/2005 | TX | Primary | Purchase | B |  |  | No |
| 2965227171 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed or initialed by borrower. |  |  |  |  |  |  | 3 | 5/XX/2006 | NY | Primary | Purchase | B |  |  | No |
| 2965227171 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NY | Primary | Purchase | B |  |  | No |
| 2965227171 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NY | Primary | Purchase | B |  |  | No |
| 2965227171 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NY | Primary | Purchase | B |  |  | No |
| 2965227171 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2006 | NY | Primary | Purchase | B |  |  | No |
| 2965227443 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227443 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227443 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227443 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 12/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227040 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | IL | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965227245 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but it is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227245 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227245 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227162 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227162 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227162 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227162 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227162 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965226825 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 2/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965226825 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 2/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965226825 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 2/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965226937 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226937 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226937 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227259 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  |  |  |  | 2 | 8/XX/2006 | MO | Primary | Purchase | B |  |  | No |
| 2965227259 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | MO | Primary | Purchase | B |  |  | No |
| 2965227441 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227441 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227441 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Til in file indicated to be final, expected funding date same as disbursement and /or note date but is not signed or dated by the borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 7/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227441 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but no signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 7/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227218 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965227218 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | FL | Primary | Purchase | B |  |  | No |
| 2965227392 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227392 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227392 | XXX | XXX | XXX | XXX | 11/04/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2006 | GA | Primary | Purchase | B |  |  | No |
| 2965227786 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | UTD | Purchase | C |  |  | No |
| 2965227786 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | UTD | Purchase | B |  |  | No |
| 2965227786 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | UTD | Purchase | B |  |  | No |
| 2965227786 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | UTD | Purchase | B |  |  | No |
| 2965227786 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | UTD | Purchase | B |  |  | No |
| 2965227786 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 5/XX/2005 | CA | UTD | Purchase | B |  |  | No |
| 2965227786 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 5/XX/2005 | CA | UTD | Purchase | B |  |  | No |
| 2965227506 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227506 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227506 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227506 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227239 | XXX | XXX | XXX | XXX | 11/06/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965227769 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227769 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227769 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227769 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227769 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2007 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227720 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MO | Primary | Purchase | B |  |  | No |
| 2965227720 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 7/XX/2007 | MO | Primary | Purchase | B |  |  | No |
| 2965227720 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 7/XX/2007 | MO | Primary | Purchase | B |  |  | No |
| 2965227720 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MO | Primary | Purchase | B |  |  | No |
| 2965226821 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Investment | Purchase | B |  |  | No |
| 2965226821 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Investment | Purchase | B |  |  | No |
| 2965226821 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | FL | Investment | Purchase | B |  |  | No |
| 2965226945 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | AZ | Primary | Purchase | B |  |  | No |
| 2965226945 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 11/XX/2007 | AZ | Primary | Purchase | B |  |  | No |
| 2965226945 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | AZ | Primary | Purchase | B |  |  | No |
| 2965227129 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227129 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227129 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 8/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227148 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | GA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227148 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227148 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227148 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | GA | Primary | Refinance - Rate/Term | D |  |  | No |
| 2965227148 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2007 | GA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227148 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  | 3 | 4/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227148 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 4/XX/2007 | GA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227789 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2003 | DC | Primary | Purchase | B |  |  | No |
| 2965227789 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 8/XX/2003 | DC | Primary | Purchase | C |  |  | No |
| 2965227789 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. |  |  | Reviewer Comment (2019/XX/03): HUD provided. Exception cleared | 12/03/2019 |  |  |  | 1 | 8/XX/2003 | DC | Primary | Purchase | A |  |  | No |
| 2965227789 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | Reviewer Comment (2019/XX/03): HUD provided. Exception cleared<br>Seller Comment (2019/XX/03): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Final HUD-1. | 12/03/2019 |  |  |  | 1 | 8/XX/2003 | DC | Primary | Purchase | A |  |  | No |
| 2965227789 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | DC | Primary | Purchase | B |  |  | No |
| 2965227172 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227172 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227172 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227172 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227172 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227795 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227795 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227795 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227795 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227795 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  | 3 | 9/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227128 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 9/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227128 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227128 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227128 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965226992 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965226992 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965226992 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 5/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965226802 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | GA | Investment | Purchase | B |  |  | No |
| 2965227775 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 5/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965227775 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965227775 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2006 | NC | Primary | Purchase | B |  |  | No |
| 2965227186 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227186 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 10/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227186 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 10/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965227708 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 8/XX/2006 | SC | Primary | Purchase | B |  |  | No |
| 2965227708 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | SC | Primary | Purchase | B |  |  | No |
| 2965227708 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 8/XX/2006 | SC | Primary | Purchase | B |  |  | No |
| 2965227708 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in fle indicates to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2006 | SC | Primary | Purchase | B |  |  | No |
| 2965227273 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  | 3 | 3/XX/2007 | AR | Primary | Purchase | B |  |  | No |
| 2965227273 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL Appears to be final but not signed or initialed by borrower |  |  |  |  |  |  | 3 | 3/XX/2007 | AR | Primary | Purchase | B |  |  | No |
| 2965227273 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | AR | Primary | Purchase | B |  |  | No |
| 2965227835 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227835 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227835 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | Til appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 9/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227140 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 11/XX/2006 | VA | Primary | Purchase | B |  |  | No |
| 2965227140 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 11/XX/2006 | VA | Primary | Purchase | C |  |  | No |
| 2965227140 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | VA | Primary | Purchase | B |  |  | No |
| 2965227140 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement date and/or note date but is not signed or dated by borrower so cannot confirm borrower received. |  |  |  |  |  |  | 3 | 11/XX/2006 | VA | Primary | Purchase | B |  |  | No |
| 2965227474 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: Illegible HUD-1 Used For Fee Testing | Missing Final HUD-1: Illegible HUD-1 used for any applicable Federal, State or Local compliance testing. | Final HUD cut off at the bottom. |  | Reviewer Comment (2019/XX/04): HUD provided still cut off. Exception remains.<br>Seller Comment (2019/XX/04): The issue cited has either been resolved or was determined to not be an exception as noted. We have located the Final HUD-1 in the loan file. "Supporting Documentation uploaded in DMP as Appeal 1". |  |  |  |  | 3 | 11/XX/2003 | TX | Primary | Purchase | D |  |  | No |
| 2965227474 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 11/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965227474 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 11/XX/2003 | TX | Primary | Purchase | B |  |  | No |
| 2965227474 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  |  |  |  | 3 | 11/XX/2003 | TX | Primary | Purchase | C |  |  | No |
| 2965227523 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227523 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227523 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227523 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227802 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 10/XX/2006 | PA | Primary | Purchase | B |  |  | No |
| 2965227802 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | PA | Primary | Purchase | B |  |  | No |
| 2965227802 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 10/XX/2006 | PA | Primary | Purchase | B |  |  | No |
| 2965227594 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | KS | Primary | Purchase | B |  |  | No |
| 2965227594 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2007 | KS | Primary | Purchase | B |  |  | No |
| 2965227594 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2007 | KS | Primary | Purchase | B |  |  | No |
| 2965227594 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | KS | Primary | Purchase | B |  |  | No |
| 2965227584 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 11/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227584 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | Final title policy and prelim title polict not provided |  |  |  |  |  |  | 3 | 11/XX/2004 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227584 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 11/XX/2004 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227584 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 11/XX/2004 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226891 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  | Reviewer Comment (2019/XX/04): Note provided. Exceptions cleared.<br>Seller Comment (2019/XX/04): The issue cited has either been resolved or was determined to not be an exception as noted. The missing document has been located and uploaded as XXX#XXX_Compliance Document | 12/04/2019 |  |  |  | 1 | 6/XX/2006 | AZ | Primary | Purchase | A |  |  | No |
| 2965226891 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | AZ | Primary | Purchase | B |  |  | No |
| 2965226891 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2006 | AZ | Primary | Purchase | B |  |  | No |
| 2965226891 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 6/XX/2006 | AZ | Primary | Purchase | B |  |  | No |
| 2965227223 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | AZ | Primary | Purchase | B |  |  | No |
| 2965227223 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | AZ | Primary | Purchase | B |  |  | No |
| 2965227223 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | AZ | Primary | Purchase | B |  |  | No |
| 2965227764 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | PA | Primary | Purchase | B |  |  | No |
| 2965227764 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | PA | Primary | Purchase | B |  |  | No |
| 2965227764 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed<br> or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2007 | PA | Primary | Purchase | B |  |  | No |
| 2965227764 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | Til appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 1/XX/2007 | PA | Primary | Purchase | B |  |  | No |
| 2965226975 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965226975 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by Borrower so cannot confirm that Borrower received |  |  |  |  |  |  | 3 | 3/XX/2007 | GA | Primary | Purchase | B |  |  | No |
| 2965226976 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226976 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226976 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226976 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226976 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 6/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226980 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965226980 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965226980 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not dated by borrower so cannot confirm that borrower received |  |  |  |  |  |  | 3 | 4/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965227749 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 5/XX/2006 | AR | Primary | Purchase | B |  |  | No |
| 2965227749 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2006 | AR | Primary | Purchase | B |  |  | No |
| 2965227749 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2006 | AR | Primary | Purchase | B |  |  | No |
| 2965227784 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2004 | MD | Primary | Purchase | B |  |  | No |
| 2965227784 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 7/XX/2004 | MD | Primary | Purchase | B |  |  | No |
| 2965227784 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 7/XX/2004 | MD | Primary | Purchase | B |  |  | No |
| 2965227503 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227503 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227503 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227503 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227503 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | MA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227503 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $327,017.43 is underdisclosed from calculated Finance Charge of $327,095.23 in the amount of $77.80. | Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  |  |  | 3 | 9/XX/2007 | MA | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227503 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2007 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227503 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | MA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227146 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2002 | TX | UTD | Purchase | C |  |  | No |
| 2965227146 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2002 | TX | UTD | Purchase | B |  |  | No |
| 2965227146 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 10/XX/2002 | TX | UTD | Purchase | B |  |  | No |
| 2965227146 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2002 | TX | UTD | Purchase | B |  |  | No |
| 2965227146 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2002 | TX | UTD | Purchase | B |  |  | No |
| 2965227146 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 10/XX/2002 | TX | UTD | Purchase | B |  |  | No |
| 2965227718 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Second Home | Purchase | B |  |  | No |
| 2965227718 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Second Home | Purchase | B |  |  | No |
| 2965227718 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | CA | Second Home | Purchase | B |  |  | No |
| 2965227718 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 4/XX/2007 | CA | Second Home | Purchase | B |  |  | No |
| 2965227593 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227593 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227593 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227593 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227593 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 7/XX/2007 | CA | Primary | Purchase | B |  |  | No |
| 2965227687 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2006 | TX | Investment | Purchase | B |  |  | No |
| 2965227681 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 6/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227681 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2006 | CA | Primary | Purchase | B |  |  | No |
| 2965227510 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by Borrowers |  |  |  |  |  |  | 3 | 12/XX/2006 | OR | Primary | Purchase | B |  |  | No |
| 2965227510 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | OR | Primary | Purchase | B |  |  | No |
| 2965227510 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 12/XX/2006 | OR | Primary | Purchase | B |  |  | No |
| 2965227510 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or<br> dated by Borrowers so cannot confirm that Borrowers received |  |  |  |  |  |  | 3 | 12/XX/2006 | OR | Primary | Purchase | B |  |  | No |
| 2965226934 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CT | Primary | Refinance - Rate/Term | D |  |  | No |
| 2965226934 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 8/XX/2007 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226934 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226934 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965226934 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226934 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2007 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226934 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CT | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226934 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CT | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226957 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | NC | Primary | Purchase | B |  |  | No |
| 2965227383 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | OK | Primary | Purchase | B |  |  | No |
| 2965227383 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2007 | OK | Primary | Purchase | B |  |  | No |
| 2965227383 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 1/XX/2007 | OK | Primary | Purchase | B |  |  | No |
| 2965227276 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227276 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227276 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227276 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227276 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227276 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2007 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965226969 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2003 | AR | Primary | Purchase | C |  |  | No |
| 2965226969 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2003 | AR | Primary | Purchase | B |  |  | No |
| 2965226969 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 11/XX/2003 | AR | Primary | Purchase | B |  |  | No |
| 2965226969 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2003 | AR | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226969 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 11/XX/2003 | AR | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965226969 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 11/XX/2003 | AR | Primary | Purchase | B |  |  | No |
| 2965226969 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2003 | AR | Primary | Purchase | B |  |  | No |
| 2965226969 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 11/XX/2003 | AR | Primary | Purchase | B |  |  | No |
| 2965227100 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227100 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  | 3 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227100 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 8/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227079 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 1/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227079 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 1/XX/2006 | TX | Primary | Purchase | B |  |  | No |
| 2965227068 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 2/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227068 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 2/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965227375 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 11/XX/2007 | RI | Primary | Purchase | B |  |  | No |
| 2965227375 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | RI | Primary | Purchase | B |  |  | No |
| 2965227375 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding High-Cost Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding High-Cost Home Loans disclosure not provided. |  |  | Reviewer Comment (2019/XX/10): Downgraded to EV2 based on loan originated by National Bank, exempt from RI Home Loan regulations and exemption should travel to assignee per outside counsel. |  |  |  |  | 2 | 11/XX/2007 | RI | Primary | Purchase | B |  |  | No |
| 2965227375 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Provided) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans disclosure not provided. |  |  | Reviewer Comment (2019/XX/10): Downgraded to EV2 based on loan originated by National Bank, exempt from RI Home Loan regulations and exemption should travel to assignee per outside counsel. |  |  |  |  | 2 | 11/XX/2007 | RI | Primary | Purchase | B |  |  | No |
| 2965227375 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Defect | Rhode Island High Cost Analysis Timing | Rhode Island Home Loan: High-cost Analysis not documented and substantiated prior to closing of the loan. | HIghcost in file |  | Reviewer Comment (2019/XX/10): Downgraded to EV2 based on loan originated by National Bank, exempt from RI Home Loan regulations and exemption should travel to assignee per outside counsel. |  |  |  |  | 2 | 11/XX/2007 | RI | Primary | Purchase | B |  |  | No |
| 2965227375 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 11/XX/2007 | RI | Primary | Purchase | B |  |  | No |
| 2965227375 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 11/XX/2007 | RI | Primary | Purchase | B |  |  | No |
| 2965226870 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $95,176.50 is underdisclosed from calculated Finance Charge of $96,385.11 in the amount of $1,208.61. | Unable to determine under disclosure due to missing itemization of amount financed |  |  |  |  |  |  | 3 | 5/XX/2007 | SC | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965226870 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226870 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965226870 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | SC | Primary | Purchase | B |  |  | No |
| 2965227142 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227142 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227142 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227142 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227142 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227142 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 6/XX/2007 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227470 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 1/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227470 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 1/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227470 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 1/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227051 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 9/XX/2006 | MO | Primary | Purchase | B |  |  | No |
| 2965227051 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | MO | Primary | Purchase | B |  |  | No |
| 2965227051 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2006 | MO | Primary | Purchase | B |  |  | No |
| 2965226830 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title". |  |  |  |  |  |  | 3 | 12/XX/2007 | TX | Primary | Purchase | C |  |  | No |
| 2965226830 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 12/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226830 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226830 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226830 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 12/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226830 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 12/XX/2007 | TX | Primary | Purchase | B |  |  | No |
| 2965226932 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 7/XX/2007 | MI | Primary | Purchase | B |  |  | No |
| 2965227394 | XXX | XXX | XXX | XXX | 11/11/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 4/XX/2007 | MD | Primary | Purchase | C |  |  | No |
| 2965227394 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227394 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227490 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 3/XX/2007 | DC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227361 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 2/XX/2003 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227361 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 2/XX/2003 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227361 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain preliminary nor final title. |  |  |  |  |  |  | 3 | 2/XX/2003 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227361 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 2/XX/2003 | CA | Primary | Refinance - Rate/Term | C |  |  | No |
| 2965227361 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 02/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227361 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 2/XX/2003 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227361 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2003 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227361 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 2/XX/2003 | CA | Primary | Refinance - Rate/Term | No Defined Cure B |  |  | No |
| 2965227361 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 2/XX/2003 | CA | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227361 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 2/XX/2003 | CA | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227013 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Government Documentation | Loan Package Documentation | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  |  |  |  | 3 | 4/XX/2003 | GA | Primary | Purchase | C |  |  | No |
| 2965227013 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  |  |  |  |  |  | 3 | 4/XX/2003 | GA | Primary | Purchase | B |  |  | No |
| 2965227026 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227026 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227026 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 6/XX/2005 | TX | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227026 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2005 | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227364 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | WV | Second Home | Purchase | B |  |  | No |
| 2965227364 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2005 | WV | Second Home | Purchase | B |  |  | No |
| 2965227364 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2005 | WV | Second Home | Purchase | B |  |  | No |
| 2965227293 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Investment | Refinance - Cash-out - Other | B |  |  | No |
| 2965226991 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2000 | NC | Primary | Purchase | C |  |  | No |
| 2965226991 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  | 3 | 10/XX/2000 | NC | Primary | Purchase | C |  |  | No |
| 2965226991 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2000 | NC | Primary | Purchase | B |  |  | No |
| 2965226991 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 10/XX/2000 | NC | Primary | Purchase | B |  |  | No |
| 2965226991 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2000 | NC | Primary | Purchase | B |  |  | No |
| 2965226991 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 10/XX/2000 | NC | Primary | Purchase | B |  |  | No |
| 2965226811 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2001 | FL | Primary | Purchase | C |  |  | No |
| 2965226811 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2001 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2001 | FL | Primary | Purchase | B |  |  | No |
| 2965226811 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 3/XX/2001 | FL | Primary | Purchase | D |  |  | No |
| 2965226811 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 3/XX/2001 | FL | Primary | Purchase | B |  |  | No |
| 2965226811 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 3/XX/2001 | FL | Primary | Purchase | B |  |  | No |
| 2965226811 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 3/XX/2001 | FL | Primary | Purchase | C |  |  | No |
| 2965226811 | XXX | XXX | XXX | XXX | 11/07/2019 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  |  |  |  | 2 | 3/XX/2001 | FL | Primary | Purchase | B |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing, Incorrect, or Incomplete GFE | (Doc Error) Initial GFE not provided |  |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/2003 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Missing Information to Determine Origination Channel | Unable to determine the origination channel based on the loan documents provided for review. The compliance review was performed with using the equivalent evaluation that would be considered for an Origination Channel of Retail. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Virginia Tangible Net Benefit Test | Unable to determine if the loan was refinanced without a tangible net benefit to the borrower due to missing information. |  |  |  |  |  |  |  | 2 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227097 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 8/XX/2003 | VA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227045 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower. |  |  |  |  |  |  | 3 | 6/XX/2009 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227045 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2009 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227045 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 6/XX/2009 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227045 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 6/XX/2009 | SC | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227045 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2009 | SC | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by Borrowers |  |  |  |  |  |  | 3 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  | Reviewer Comment (2019/XX/10): HUD provided. Exception cleared. | 12/10/2019 |  |  |  | 1 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | A |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Unable to determine if loan is a same lender refi | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 4.00000% exceeds the state maximum of 2%. | 4% late fee is >2% maximum for the state of NY. |  |  |  |  |  |  | 2 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 05/XX/2007, prior to three (3) business days from transaction date of 05/XX/2007. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  |  |  |  | 3 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227608 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 5/XX/2007 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227768 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  |  |  |  | 3 | 6/XX/2003 | IL | Primary | Refinance - Rate/Term | B |  |  | No |
| 2965227768 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 6/XX/2003 | IL | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227156 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227156 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227156 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227156 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | No Defined Cure B |  |  | No |
| 2965227156 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $889,464.33 is underdisclosed from calculated Finance Charge of $946,183.38 in the amount of $56,719.05. | Under disclosure due to lender used lower index that available in lookback and has 2nd payment period as 60 mos, per note rate changes monthly and payment annually until recast. |  |  |  |  |  |  | 3 | 3/XX/2006 | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected TIL Disclosure, and Re-open Rescission if Applicable B |  |  | No |
| 2965227420 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227420 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227420 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227420 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 4/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227420 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227420 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 4/XX/2006 | CA | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227365 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227365 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227365 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  |  |  | 3 | 6/XX/2007 | MD | Primary | Purchase | No Defined Cure B |  |  | No |
| 2965227365 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227365 | XXX | XXX | XXX | XXX | 11/07/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Borrower signature not dated. |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 6/XX/2007 | MD | Primary | Purchase | B |  |  | No |
| 2965227169 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  |  |  | 2 | 12/XX/2005 | MD | Primary | Purchase | B |  |  | No |
| 2965227169 | XXX | XXX | XXX | XXX | 11/11/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete Final TIL | TILA - Final TIL Missing | Missing Final TIL. |  |  |  |  |  |  |  | 3 | 12/XX/2005 | MD | Primary | Purchase | B |  |  | No |
| 2965227590 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227590 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL appears to be final but not signed nor initialed by borrower |  |  |  |  |  |  | 3 | 9/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227590 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227590 | XXX | XXX | XXX | XXX | 11/12/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 9/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | C |  |  | No |
| 2965227590 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227590 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227590 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227590 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  |  |  | 2 | 9/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965227590 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  |  |  | 3 | 9/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission B |  |  | No |
| 2965227590 | XXX | XXX | XXX | XXX | 11/12/2019 | Compliance | Compliance | Federal Compliance | TILA | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  |  |  |  | 3 | 9/XX/2006 | NJ | Primary | Refinance - Cash-out - Debt Consolidation | B |  |  | No |
| 2965226813 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 9/XX/2007 | SC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226813 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226813 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226813 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226813 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Defect | South Carolina Home Loan (Complaint Agency Disclosure Not Provided) | South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  |  |  |  |  | 2 | 9/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226813 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 9/XX/2007 | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226813 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 9/XX/2007 | SC | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226813 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary of Final Title |  |  |  |  |  |  | 3 | 9/XX/2007 | SC | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227028 | XXX | XXX | XXX | XXX | 11/17/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 6/XX/2004 | FL | UTD | UTD - UTD | C |  |  | No |
| 2965227028 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 6/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965227028 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 6/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965227028 | XXX | XXX | XXX | XXX | 11/17/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 6/XX/2004 | FL | UTD | UTD - UTD | C |  |  | No |
| 2965227028 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965227028 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | FL | UTD | UTD - UTD | D |  |  | No |
| 2965227028 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 06/XX/2004 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965227028 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965227028 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 6/XX/2004 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965227028 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 6/XX/2004 | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  |  |  |  |  |  |  |  | 3 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | TILA | Costs and Fees Not Disclosed In HELOC Agreement | Truth in Lending Act (HELOC): HELOC Fee Agreement did not disclose the Costs and Fees at Account opening. Unable to validate accuracy of and compliance with fee disclosure requirements. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Note Date of 03/XX/2005 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  |  |  | 2 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing, Incorrect, or Incomplete HUD-1 | Federal HELOC Itemization of Final Costs and Fees Not Provided | Truth in Lending Act (HELOC): Itemization of Final Costs and Fees at Account Opening not in file. Unable to validate accuracy of and compliance with fee disclosure requirements. HELOC Fee Agreement also not in file, unable to perform compliance points and fees tests. |  |  |  |  |  |  |  | 3 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | D |  |  | No |
| 2965227004 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  |  |  |  |  | 2 | 3/XX/2005 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226840 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | FL | UTD | UTD - UTD | C |  |  | No |
| 2965226840 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2007 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226840 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 11/XX/2007 | FL | UTD | UTD - UTD | C |  |  | No |
| 2965226840 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226840 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226840 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 11/XX/2007 | FL | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226840 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226840 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 11/XX/2007 | FL | UTD | UTD - UTD | B |  |  | No |
| 2965226843 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226843 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226843 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either a Preliminary or Final Title. |  |  |  |  |  |  | 3 | 3/XX/2008 | FL | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226843 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226843 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226843 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | FL | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226843 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | UTD | UTD - UTD | C |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | UTD | UTD - UTD | B |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | UTD | UTD - UTD | B |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | UTD | UTD - UTD | C |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 09/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | UTD | UTD - UTD | B |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | UTD | UTD - UTD | B |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | UTD | UTD - UTD | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | UTD | UTD - UTD | B |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | UTD | UTD - UTD | B |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Important Terms Disclosure Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  |  |  | 3 | 8/XX/2007 | CA | UTD | UTD - UTD | B |  |  | No |
| 2965227586 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 8/XX/2007 | CA | UTD | UTD - UTD | B |  |  | No |
| 2965227370 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 1/XX/2002 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227370 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 1/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227370 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either a Preliminary or Final Title |  |  |  |  |  |  | 3 | 1/XX/2002 | NY | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227370 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Credit Agreement Not Provided Timely | Truth in Lending Act (HELOC): Credit Agreement not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 1/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227370 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA | TILA HELOC - Billing Rights Disclosure Not Provided Timely | Truth in Lending Act (HELOC): "Billing Rights" disclosure not provided to borrower at time of account opening. |  |  |  |  |  |  |  | 3 | 1/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227370 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2002 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 1/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227370 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 1/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227370 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Grace Period Testing | New York Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. | NY grace period minimum is 15 days |  |  |  |  |  |  | 2 | 1/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227370 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Late Charge | New York Late Charge Percent Testing | Unable to determine if late charge exceeds state maximum due to missing information. | NY late charge maximum is %2 |  |  |  |  |  |  | 2 | 1/XX/2002 | NY | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227370 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 1/XX/2002 | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227419 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227419 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227419 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title |  |  |  |  |  |  | 3 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965227419 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2007 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227419 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227419 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227419 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227419 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 11/XX/2007 | PA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227243 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 10/XX/2006 | PA | UTD | Refinance - Cash-out - Other | C |  |  | No |
| 2965227243 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Title | Lien | Title | Missing evidence of lien position on Other Financing. | Lien Position: 2 |  |  |  |  |  |  |  | 3 | 10/XX/2006 | PA | UTD | Refinance - Cash-out - Other | C |  |  | No |
| 2965227243 | XXX | XXX | XXX | XXX | 11/14/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final title |  |  |  |  |  |  | 3 | 10/XX/2006 | PA | UTD | Refinance - Cash-out - Other | C |  |  | No |
| 2965227243 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Miscellaneous Compliance | Missing Non-Required Data | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  |  |  |  |  | 2 | 10/XX/2006 | PA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2965227243 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | PA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2965227243 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | State Compliance | State Late Charge | Pennsylvania First Lien Late Charge Grace Period Testing | Pennsylvania Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | PA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2965227243 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 10/XX/2006 | PA | UTD | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965227243 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 10/XX/2006 | PA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2965227243 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 10/XX/2006 | PA | UTD | Refinance - Cash-out - Other | B |  |  | No |
| 2965226841 | XXX | XXX | XXX | XXX | 11/17/2019 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  | 3 | 3/XX/2008 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226841 | XXX | XXX | XXX | XXX | 11/17/2019 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | File does not contain either Preliminary or Final Title. |  |  |  |  |  |  | 3 | 3/XX/2008 | MA | Primary | Refinance - Cash-out - Other | C |  |  | No |
| 2965226841 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2008 used as disbursement date for compliance testing. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226841 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing Required Data | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226841 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | State Compliance | State Defect | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226841 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Open End Late Charge Grace Period Testing | Massachusetts Late Charge: Note grace period of 10 days is less than the state minimum of 15 days. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226841 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  |  |  | 3 | 3/XX/2008 | MA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B |  |  | No |
| 2965226841 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Property - Appraisal | General Appraisal Requirements | LTV Test | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  |  |  |  | 2 | 3/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226841 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of XX/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  |  |  | 2 | 3/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965226841 | XXX | XXX | XXX | XXX | 11/17/2019 | Compliance | Compliance | State Compliance | State Late Charge | Massachusetts Open End Late Charge Percent and Amount Testing | Unable to determine if late charge exceeds state maximum due to missing information. | 5% late charge exceeds 3% maximum per state (MA) |  |  |  |  |  |  | 2 | 3/XX/2008 | MA | Primary | Refinance - Cash-out - Other | B |  |  | No |
| 2965227244 | XXX | XXX | XXX | XXX | 11/18/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  |  |  | 3 | 5/XX/2017 | NY | Primary | Refinance - Cash-out - Other | C | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227244 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2017) | No evidence of early receipt was located in the file |  |  |  |  |  |  | 2 | 5/XX/2017 | NY | Primary | Refinance - Cash-out - Other | B | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227405 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/XX/2017) | No cure or Valid COC was provided to borrower |  | Reviewer Comment (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A |  |  |  | 12/12/2019 | 1 | 12/XX/2017 | PA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM | Safe Harbor QM | No |
| 2965227405 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Home Loan Toolkit Provided | Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. | No evidence of receipt of Booklet |  |  |  |  |  |  | 2 | 12/XX/2017 | PA | Primary | Purchase | No Defined Cure B | Safe Harbor QM | Safe Harbor QM | No |
| 2965227405 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,542.51 exceeds tolerance of $1,016.00. Insufficient or no cure was provided to the borrower. (7200) | No cure or Valid COC was provided to borrower |  |  |  |  |  |  | 3 | 12/XX/2017 | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | Safe Harbor QM | Safe Harbor QM | No |
| 2965227323 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | The disclosure was not evidenced in the loan file. |  |  |  |  |  |  | 2 | 8/XX/2018 | MI | Primary | Refinance - Cash-out - Other | B | UTD | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227323 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/08/XX/2018) | The escrow amount of $271.94 did not include the escrow payment of $48.17. |  |  |  |  |  |  | 3 | 8/XX/2018 | MI | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B | UTD | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227323 | XXX | XXX | XXX | XXX | 11/18/2019 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  |  |  |  | 3 | 8/XX/2018 | MI | Primary | Refinance - Cash-out - Other | C | UTD | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227323 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2018) | No valid change of circumstance or cure was evidenced in the loan file. |  | Reviewer Comment (2019/XX/12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A |  |  |  | 12/12/2019 | 1 | 8/XX/2018 | MI | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure A | UTD | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227323 | XXX | XXX | XXX | XXX | 11/18/2019 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $196.52 exceeds tolerance of $188.00. Insufficient or no cure was provided to the borrower. (7200) | No valid change of circumstance or cure was evidenced in the loan file. |  |  |  |  |  |  | 3 | 8/XX/2018 | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B | UTD | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227378 | XXX | XXX | XXX | XXX | 11/14/2019 | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  |  |  |  | 3 | 12/XX/2018 | NJ | Primary | Purchase | C | Safe Harbor QM | Temporary SHQM (GSE/Agency Eligible) | No |
| 2965227378 | XXX | XXX | XXX | XXX | 11/14/2019 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). | Per Compliance report in the loan file. Loan is Safe Harbor |  |  |  |  |  |  | 3 | 12/XX/2018 | NJ | Primary | Purchase | Lender to provide updated ATR/QM status B C | Safe Harbor QM | Temporary SHQM (GSE/Agency Eligible) | No |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 5**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **First Payment Date** | **Data Cutoff Date** | **Pay History Scope** | **Pay History Summary (MBA)** | **Months of Data Missing During Lookback** | **Delinquency During Lookback** |
| 2965227264 | XX/XX/XXXX | 06/30/2019 | 12 | 222221210000 | 0 | 8 |
| 2965227006 | XX/XX/XXXX | 06/30/2019 | 12 | 322343211110 | 0 | 11 |
| 2965227714 | XX/XX/XXXX | 06/30/2019 | 12 | 322211101111 | 0 | 11 |
| 2965227406 | XX/XX/XXXX | 06/30/2019 | 12 | 210121100000 | 0 | 6 |
| 2965227698 | XX/XX/XXXX | 06/30/2019 | 12 | 321044323213 | 0 | 11 |
| 2965227538 | XX/XX/XXXX | 06/30/2019 | 12 | 222101000222 | 0 | 8 |
| 2965227477 | XX/XX/XXXX | 06/30/2019 | 12 | 303321222110 | 0 | 10 |
| 2965227613 | XX/XX/XXXX | 06/30/2019 | 12 | 221011111112 | 0 | 11 |
| 2965227612 | XX/XX/XXXX | 06/30/2019 | 12 | 321101110101 | 0 | 9 |
| 2965227531 | XX/XX/XXXX | 06/30/2019 | 12 | 222221112211 | 0 | 12 |
| 2965227434 | XX/XX/XXXX | 06/30/2019 | 12 | 323211000000 | 0 | 6 |
| 2965227568 | XX/XX/XXXX | 06/30/2019 | 12 | 222211111111 | 0 | 12 |
| 2965227730 | XX/XX/XXXX | 06/30/2019 | 12 | 321000324321 | 0 | 9 |
| 2965227125 | XX/XX/XXXX | 06/30/2019 | 12 | 321009999987 | 0 | 10 |
| 2965227533 | XX/XX/XXXX | 06/30/2019 | 12 | 222222221121 | 0 | 12 |
| 2965227842 | XX/XX/XXXX | 06/30/2019 | 12 | 543211210000 | 0 | 8 |
| 2965227101 | XX/XX/XXXX | 06/30/2019 | 12 | 334333332100 | 0 | 10 |
| 2965227300 | XX/XX/XXXX | 06/30/2019 | 12 | 321111100000 | 0 | 7 |
| 2965227448 | XX/XX/XXXX | 06/30/2019 | 12 | 221111110000 | 0 | 8 |
| 2965226900 | XX/XX/XXXX | 06/30/2019 | 12 | 222222211111 | 0 | 12 |
| 2965226854 | XX/XX/XXXX | 06/30/2019 | 12 | 223222100000 | 0 | 7 |
| 2965227025 | XX/XX/XXXX | 06/30/2019 | 12 | 333332212332 | 0 | 12 |
| 2965227173 | XX/XX/XXXX | 06/30/2019 | 12 | 222222221102 | 0 | 11 |
| 2965227496 | XX/XX/XXXX | 06/30/2019 | 12 | 221133233322 | 0 | 12 |
| 2965226984 | XX/XX/XXXX | 06/30/2019 | 12 | 322222221000 | 0 | 9 |
| 2965226860 | XX/XX/XXXX | 06/30/2019 | 12 | 210122221110 | 0 | 10 |
| 2965227836 | XX/XX/XXXX | 06/30/2019 | 12 | 333333333222 | 0 | 12 |
| 2965227744 | XX/XX/XXXX | 06/30/2019 | 12 | 765432100000 | 0 | 7 |
| 2965227321 | XX/XX/XXXX | 06/30/2019 | 12 | 321110001110 | 0 | 8 |
| 2965227166 | XX/XX/XXXX | 06/30/2019 | 12 | 222111111111 | 0 | 12 |
| 2965226921 | XX/XX/XXXX | 06/30/2019 | 12 | 211111111000 | 0 | 9 |
| 2965227695 | XX/XX/XXXX | 06/30/2019 | 12 | 211111110011 | 0 | 10 |
| 2965227667 | XX/XX/XXXX | 06/30/2019 | 12 | 432132121000 | 0 | 9 |
| 2965227483 | XX/XX/XXXX | 06/30/2019 | 12 | 212111110111 | 0 | 11 |
| 2965226842 | XX/XX/XXXX | 06/30/2019 | 12 | 223322221110 | 0 | 11 |
| 2965227739 | XX/XX/XXXX | 06/30/2019 | 12 | 433321132100 | 0 | 10 |
| 2965227400 | XX/XX/XXXX | 06/30/2019 | 12 | 222221322212 | 0 | 12 |
| 2965226859 | XX/XX/XXXX | 06/30/2019 | 12 | 211211111111 | 0 | 12 |
| 2965227723 | XX/XX/XXXX | 06/30/2019 | 12 | 433322211111 | 0 | 12 |
| 2965227628 | XX/XX/XXXX | 06/30/2019 | 12 | 221011101111 | 0 | 10 |
| 2965227233 | XX/XX/XXXX | 06/30/2019 | 12 | 211322211004 | 0 | 10 |
| 2965226965 | XX/XX/XXXX | 06/30/2019 | 12 | 223222222222 | 0 | 12 |
| 2965227111 | XX/XX/XXXX | 06/30/2019 | 12 | 211012121111 | 0 | 11 |
| 2965227591 | XX/XX/XXXX | 06/30/2019 | 12 | 222222222222 | 0 | 12 |
| 2965226822 | XX/XX/XXXX | 06/30/2019 | 12 | 221112322222 | 0 | 12 |
| 2965227331 | XX/XX/XXXX | 06/30/2019 | 12 | 221212100000 | 0 | 7 |
| 2965227771 | XX/XX/XXXX | 06/30/2019 | 12 | 321000009987 | 0 | 7 |
| 2965227108 | XX/XX/XXXX | 06/30/2019 | 12 | 222212110000 | 0 | 8 |
| 2965226790 | XX/XX/XXXX | 06/30/2019 | 12 | 432122100210 | 0 | 9 |
| 2965227495 | XX/XX/XXXX | 06/30/2019 | 12 | 211211110100 | 0 | 9 |
| 2965227183 | XX/XX/XXXX | 06/30/2019 | 12 | 322187654443 | 0 | 12 |
| 2965227760 | XX/XX/XXXX | 06/30/2019 | 12 | 222212111033 | 0 | 11 |
| 2965227432 | XX/XX/XXXX | 06/30/2019 | 12 | 443322222222 | 0 | 12 |
| 2965227831 | XX/XX/XXXX | 06/30/2019 | 12 | 333322221111 | 0 | 12 |
| 2965227792 | XX/XX/XXXX | 06/30/2019 | 12 | 222211110000 | 0 | 8 |
| 2965227717 | XX/XX/XXXX | 06/30/2019 | 12 | 322111211111 | 0 | 12 |
| 2965227202 | XX/XX/XXXX | 06/30/2019 | 12 | 222222211100 | 0 | 10 |
| 2965227342 | XX/XX/XXXX | 06/30/2019 | 12 | 321100000000 | 0 | 4 |
| 2965226953 | XX/XX/XXXX | 06/30/2019 | 12 | 221110012101 | 0 | 9 |
| 2965227752 | XX/XX/XXXX | 06/30/2019 | 12 | 222122221221 | 0 | 12 |
| 2965226894 | XX/XX/XXXX | 06/30/2019 | 12 | 332121543211 | 0 | 12 |
| 2965227256 | XX/XX/XXXX | 06/30/2019 | 12 | 211211111100 | 0 | 10 |
| 2965227782 | XX/XX/XXXX | 06/30/2019 | 12 | 322233211111 | 0 | 12 |
| 2965226982 | XX/XX/XXXX | 06/30/2019 | 12 | 221098765432 | 0 | 11 |
| 2965227857 | XX/XX/XXXX | 06/30/2019 | 12 | 221111111111 | 0 | 12 |
| 2965227686 | XX/XX/XXXX | 06/30/2019 | 12 | 221122222221 | 0 | 12 |
| 2965227147 | XX/XX/XXXX | 06/30/2019 | 12 | 222222221100 | 0 | 10 |
| 2965226800 | XX/XX/XXXX | 06/30/2019 | 12 | 211111211110 | 0 | 11 |
| 2965227371 | XX/XX/XXXX | 06/30/2019 | 12 | 211211121211 | 0 | 12 |
| 2965227096 | XX/XX/XXXX | 06/30/2019 | 12 | 332222221111 | 0 | 12 |
| 2965227623 | XX/XX/XXXX | 06/30/2019 | 12 | 211010010432 | 0 | 8 |
| 2965227822 | XX/XX/XXXX | 06/30/2019 | 12 | 322211110000 | 0 | 8 |
| 2965227423 | XX/XX/XXXX | 06/30/2019 | 12 | 211110010001 | 0 | 7 |
| 2965227067 | XX/XX/XXXX | 06/30/2019 | 12 | 321212111432 | 0 | 12 |
| 2965227029 | XX/XX/XXXX | 06/30/2019 | 12 | 321102100000 | 0 | 6 |
| 2965227356 | XX/XX/XXXX | 06/30/2019 | 12 | 224332100000 | 0 | 7 |
| 2965226981 | XX/XX/XXXX | 06/30/2019 | 12 | 223332111002 | 0 | 10 |
| 2965227288 | XX/XX/XXXX | 06/30/2019 | 12 | 543211110100 | 0 | 9 |
| 2965227585 | XX/XX/XXXX | 06/30/2019 | 12 | 222222223212 | 0 | 12 |
| 2965226997 | XX/XX/XXXX | 06/30/2019 | 12 | 222222221211 | 0 | 12 |
| 2965227319 | XX/XX/XXXX | 06/30/2019 | 12 | 211121112111 | 0 | 12 |
| 2965227582 | XX/XX/XXXX | 06/30/2019 | 12 | 223333333333 | 0 | 12 |
| 2965227251 | XX/XX/XXXX | 06/30/2019 | 12 | 221111210111 | 0 | 11 |
| 2965226835 | XX/XX/XXXX | 06/30/2019 | 12 | 212110000000 | 0 | 5 |
| 2965226943 | XX/XX/XXXX | 06/30/2019 | 12 | 321111000000 | 0 | 6 |
| 2965226799 | XX/XX/XXXX | 06/30/2019 | 12 | 765432211111 | 0 | 12 |
| 2965226794 | XX/XX/XXXX | 06/30/2019 | 12 | 232332211110 | 0 | 11 |
| 2965227767 | XX/XX/XXXX | 06/30/2019 | 12 | 321212221121 | 0 | 12 |
| 2965227359 | XX/XX/XXXX | 06/30/2019 | 12 | 222121110111 | 0 | 11 |
| 2965227649 | XX/XX/XXXX | 06/30/2019 | 12 | 211111212223 | 0 | 12 |
| 2965227175 | XX/XX/XXXX | 06/30/2019 | 12 | 333333232322 | 0 | 12 |
| 2965227349 | XX/XX/XXXX | 06/30/2019 | 12 | 222222221111 | 0 | 12 |
| 2965227080 | XX/XX/XXXX | 06/30/2019 | 12 | 222111211112 | 0 | 12 |
| 2965227393 | XX/XX/XXXX | 06/30/2019 | 12 | 222110010110 | 0 | 8 |
| 2965227002 | XX/XX/XXXX | 06/30/2019 | 12 | 876543211010 | 0 | 10 |
| 2965227572 | XX/XX/XXXX | 06/30/2019 | 12 | 322121001000 | 0 | 7 |
| 2965227611 | XX/XX/XXXX | 06/30/2019 | 12 | 433321211100 | 0 | 10 |
| 2965227805 | XX/XX/XXXX | 06/30/2019 | 12 | 211111111111 | 0 | 12 |
| 2965227565 | XX/XX/XXXX | 06/30/2019 | 12 | 222121100654 | 0 | 10 |
| 2965227265 | XX/XX/XXXX | 06/30/2019 | 12 | 333333322211 | 0 | 12 |
| 2965227076 | XX/XX/XXXX | 06/30/2019 | 12 | 232112121111 | 0 | 12 |
| 2965227307 | XX/XX/XXXX | 06/30/2019 | 12 | 433344322222 | 0 | 12 |
| 2965226837 | XX/XX/XXXX | 06/30/2019 | 12 | 211101011000 | 0 | 7 |
| 2965227746 | XX/XX/XXXX | 06/30/2019 | 12 | 210000000000 | 0 | 2 |
| 2965227731 | XX/XX/XXXX | 06/30/2019 | 12 | 322111000008 | 0 | 7 |
| 2965227675 | XX/XX/XXXX | 06/30/2019 | 12 | 654322100000 | 0 | 7 |
| 2965227267 | XX/XX/XXXX | 06/30/2019 | 12 | 210000000102 | 0 | 4 |
| 2965227439 | XX/XX/XXXX | 06/30/2019 | 12 | 432100987654 | 0 | 10 |
| 2965227182 | XX/XX/XXXX | 06/30/2019 | 12 | 222222221110 | 0 | 11 |
| 2965226878 | XX/XX/XXXX | 06/30/2019 | 12 | 221111111111 | 0 | 12 |
| 2965227347 | XX/XX/XXXX | 06/30/2019 | 12 | 222111111000 | 0 | 9 |
| 2965227285 | XX/XX/XXXX | 06/30/2019 | 12 | 210121054321 | 0 | 10 |
| 2965226815 | XX/XX/XXXX | 06/30/2019 | 12 | 211111111111 | 0 | 12 |
| 2965227282 | XX/XX/XXXX | 06/30/2019 | 12 | 210023221132 | 0 | 10 |
| 2965227756 | XX/XX/XXXX | 06/30/2019 | 12 | 322222111111 | 0 | 12 |
| 2965227254 | XX/XX/XXXX | 06/30/2019 | 12 | 765433333322 | 0 | 12 |
| 2965227754 | XX/XX/XXXX | 06/30/2019 | 12 | 221133221110 | 0 | 11 |
| 2965226858 | XX/XX/XXXX | 06/30/2019 | 12 | 210022121221 | 0 | 10 |
| 2965227003 | XX/XX/XXXX | 06/30/2019 | 12 | 222112111111 | 0 | 12 |
| 2965227164 | XX/XX/XXXX | 06/30/2019 | 12 | 212122211100 | 0 | 10 |
| 2965227774 | XX/XX/XXXX | 06/30/2019 | 12 | 211221121211 | 0 | 12 |
| 2965227088 | XX/XX/XXXX | 06/30/2019 | 12 | 332333332333 | 0 | 12 |
| 2965227543 | XX/XX/XXXX | 06/30/2019 | 12 | 221121222222 | 0 | 12 |
| 2965227110 | XX/XX/XXXX | 06/30/2019 | 12 | 221102110221 | 0 | 10 |
| 2965227672 | XX/XX/XXXX | 06/30/2019 | 12 | X12111111111 | 1 | 11 |
| 2965227284 | XX/XX/XXXX | 06/30/2019 | 12 | 221100032221 | 0 | 9 |
| 2965227600 | XX/XX/XXXX | 06/30/2019 | 12 | 211101211111 | 0 | 11 |
| 2965227241 | XX/XX/XXXX | 06/30/2019 | 12 | 322100007766 | 0 | 8 |
| 2965227502 | XX/XX/XXXX | 06/30/2019 | 12 | 322111132222 | 0 | 12 |
| 2965227815 | XX/XX/XXXX | 06/30/2019 | 12 | 222111221112 | 0 | 12 |
| 2965226946 | XX/XX/XXXX | 06/30/2019 | 12 | X10102222233 | 1 | 9 |
| 2965227616 | XX/XX/XXXX | 06/30/2019 | 12 | 222111222328 | 0 | 12 |
| 2965227398 | XX/XX/XXXX | 06/30/2019 | 12 | 221000010000 | 0 | 4 |
| 2965227372 | XX/XX/XXXX | 06/30/2019 | 12 | 321221100100 | 0 | 8 |
| 2965227262 | XX/XX/XXXX | 06/30/2019 | 12 | 222221101112 | 0 | 11 |
| 2965227391 | XX/XX/XXXX | 06/30/2019 | 12 | 222222100000 | 0 | 7 |
| 2965226872 | XX/XX/XXXX | 06/30/2019 | 12 | 210322332102 | 0 | 10 |
| 2965226977 | XX/XX/XXXX | 06/30/2019 | 12 | 221211110000 | 0 | 8 |
| 2965227412 | XX/XX/XXXX | 06/30/2019 | 12 | 335433322222 | 0 | 12 |
| 2965227790 | XX/XX/XXXX | 06/30/2019 | 12 | 233221111000 | 0 | 9 |
| 2965226901 | XX/XX/XXXX | 06/30/2019 | 12 | 223232211101 | 0 | 11 |
| 2965226963 | XX/XX/XXXX | 06/30/2019 | 12 | 333333322211 | 0 | 12 |
| 2965227141 | XX/XX/XXXX | 06/30/2019 | 12 | 222222222222 | 0 | 12 |
| 2965227530 | XX/XX/XXXX | 06/30/2019 | 12 | 211211212221 | 0 | 12 |
| 2965227596 | XX/XX/XXXX | 06/30/2019 | 12 | 876543211121 | 0 | 12 |
| 2965227587 | XX/XX/XXXX | 06/30/2019 | 12 | 212121111221 | 0 | 12 |
| 2965227120 | XX/XX/XXXX | 06/30/2019 | 12 | 332111212110 | 0 | 11 |
| 2965227859 | XX/XX/XXXX | 06/30/2019 | 12 | 432211000000 | 0 | 6 |
| 2965227511 | XX/XX/XXXX | 06/30/2019 | 12 | 211211111111 | 0 | 12 |
| 2965227461 | XX/XX/XXXX | 06/30/2019 | 12 | 543321021100 | 0 | 9 |
| 2965227102 | XX/XX/XXXX | 06/30/2019 | 12 | 543332221099 | 0 | 11 |
| 2965227796 | XX/XX/XXXX | 06/30/2019 | 12 | 222332221000 | 0 | 9 |
| 2965227247 | XX/XX/XXXX | 06/30/2019 | 12 | 210000011111 | 0 | 7 |
| 2965227747 | XX/XX/XXXX | 06/30/2019 | 12 | 211111110000 | 0 | 8 |
| 2965227287 | XX/XX/XXXX | 06/30/2019 | 12 | 333311222222 | 0 | 12 |
| 2965227286 | XX/XX/XXXX | 06/30/2019 | 12 | 332201101100 | 0 | 8 |
| 2965227811 | XX/XX/XXXX | 06/30/2019 | 12 | 434332211222 | 0 | 12 |
| 2965227271 | XX/XX/XXXX | 06/30/2019 | 12 | 222111111111 | 0 | 12 |
| 2965227216 | XX/XX/XXXX | 06/30/2019 | 12 | 765432211011 | 0 | 11 |
| 2965227778 | XX/XX/XXXX | 06/30/2019 | 12 | 222116543223 | 0 | 12 |
| 2965227800 | XX/XX/XXXX | 06/30/2019 | 12 | 211110121210 | 0 | 10 |
| 2965227403 | XX/XX/XXXX | 06/30/2019 | 12 | 221111110000 | 0 | 8 |
| 2965227191 | XX/XX/XXXX | 06/30/2019 | 12 | 221212111000 | 0 | 9 |
| 2965227031 | XX/XX/XXXX | 06/30/2019 | 12 | 998776543322 | 0 | 12 |
| 2965226906 | XX/XX/XXXX | 06/30/2019 | 12 | 221112111111 | 0 | 12 |
| 2965227516 | XX/XX/XXXX | 07/31/2019 | 12 | 443334433321 | 0 | 12 |
| 2965227557 | XX/XX/XXXX | 07/31/2019 | 12 | 222112100000 | 0 | 7 |
| 2965227781 | XX/XX/XXXX | 07/31/2019 | 12 | 543221000000 | 0 | 6 |
| 2965227258 | XX/XX/XXXX | 07/31/2019 | 12 | 121111111100 | 0 | 10 |
| 2965227387 | XX/XX/XXXX | 07/31/2019 | 12 | 123212110100 | 0 | 9 |
| 2965227809 | XX/XX/XXXX | 07/31/2019 | 12 | 021211106543 | 0 | 10 |
| 2965227498 | XX/XX/XXXX | 07/31/2019 | 12 | 111111110000 | 0 | 8 |
| 2965226897 | XX/XX/XXXX | 07/31/2019 | 12 | 877654321000 | 0 | 9 |
| 2965227866 | XX/XX/XXXX | 07/31/2019 | 12 | 133210010000 | 0 | 6 |
| 2965227237 | XX/XX/XXXX | 07/31/2019 | 12 | 021000000000 | 0 | 2 |
| 2965227447 | XX/XX/XXXX | 07/31/2019 | 12 | 111111010000 | 0 | 7 |
| 2965227569 | XX/XX/XXXX | 07/31/2019 | 12 | 122122110000 | 0 | 8 |
| 2965226956 | XX/XX/XXXX | 07/31/2019 | 12 | 099999999987 | 0 | 11 |
| 2965227683 | XX/XX/XXXX | 07/31/2019 | 12 | 223210000000 | 0 | 5 |
| 2965227170 | XX/XX/XXXX | 07/31/2019 | 12 | 121111010000 | 0 | 7 |
| 2965227012 | XX/XX/XXXX | 07/31/2019 | 12 | 122211000000 | 0 | 6 |
| 2965226818 | XX/XX/XXXX | 07/31/2019 | 12 | 54332100000N | 0 | 6 |
| 2965227855 | XX/XX/XXXX | 07/31/2019 | 12 | 999876543221 | 0 | 12 |
| 2965227326 | XX/XX/XXXX | 07/31/2019 | 12 | 777654322222 | 0 | 12 |
| 2965226797 | XX/XX/XXXX | 07/31/2019 | 12 | 110110000000 | 0 | 4 |
| 2965226814 | XX/XX/XXXX | 07/31/2019 | 12 | 010000010010 | 0 | 3 |
| 2965226949 | XX/XX/XXXX | 07/31/2019 | 12 | 111101000000 | 0 | 5 |
| 2965226936 | XX/XX/XXXX | 07/31/2019 | 12 | 544323243222 | 0 | 12 |
| 2965227559 | XX/XX/XXXX | 07/31/2019 | 12 | 987654321012 | 0 | 11 |
| 2965227727 | XX/XX/XXXX | 07/31/2019 | 12 | 765432100000 | 0 | 7 |
| 2965227850 | XX/XX/XXXX | 07/31/2019 | 12 | 111100000000 | 0 | 4 |
| 2965226898 | XX/XX/XXXX | 07/31/2019 | 12 | 010000000111 | 0 | 4 |
| 2965226838 | XX/XX/XXXX | 07/31/2019 | 12 | 111110010111 | 0 | 9 |
| 2965227016 | XX/XX/XXXX | 07/31/2019 | 12 | 011100000000 | 0 | 3 |
| 2965226885 | XX/XX/XXXX | 07/31/2019 | 12 | 010011000000 | 0 | 3 |
| 2965227047 | XX/XX/XXXX | 07/31/2019 | 12 | 655443322111 | 0 | 12 |
| 2965226834 | XX/XX/XXXX | 07/31/2019 | 12 | 121121000000 | 0 | 6 |
| 2965227060 | XX/XX/XXXX | 07/31/2019 | 12 | 111100000000 | 0 | 4 |
| 2965227010 | XX/XX/XXXX | 07/31/2019 | 12 | 010000100100 | 0 | 3 |
| 2965227023 | XX/XX/XXXX | 07/31/2019 | 12 | 222432222211 | 0 | 12 |
| 2965227512 | XX/XX/XXXX | 07/31/2019 | 12 | 333221110000 | 0 | 8 |
| 2965226896 | XX/XX/XXXX | 07/31/2019 | 12 | 766554443210 | 0 | 11 |
| 2965227517 | XX/XX/XXXX | 07/31/2019 | 12 | 554344321032 | 0 | 11 |
| 2965227583 | XX/XX/XXXX | 07/31/2019 | 12 | 999998765432 | 0 | 12 |
| 2965227205 | XX/XX/XXXX | 07/31/2019 | 12 | 999999999998 | 0 | 12 |
| 2965226941 | XX/XX/XXXX | 07/31/2019 | 12 | 999999987654 | 0 | 12 |
| 2965226848 | XX/XX/XXXX | 07/31/2019 | 12 | 565799999999 | 0 | 12 |
| 2965227192 | XX/XX/XXXX | 07/31/2019 | 12 | 010011433222 | 0 | 9 |
| 2965227627 | XX/XX/XXXX | 07/31/2019 | 12 | 998765432100 | 0 | 10 |
| 2965227066 | XX/XX/XXXX | 07/31/2019 | 12 | 321000009999 | 0 | 7 |
| 2965227104 | XX/XX/XXXX | 07/31/2019 | 12 | 987654565432 | 0 | 12 |
| 2965226862 | XX/XX/XXXX | 07/31/2019 | 12 | 999988775443 | 0 | 12 |
| 2965226809 | XX/XX/XXXX | 07/31/2019 | 12 | 999999987654 | 0 | 12 |
| 2965226823 | XX/XX/XXXX | 07/31/2019 | 12 | 999999999999 | 0 | 12 |
| 2965227425 | XX/XX/XXXX | 07/31/2019 | 12 | 654321212100 | 0 | 10 |
| 2965226879 | XX/XX/XXXX | 07/31/2019 | 12 | 122222222222 | 0 | 12 |
| 2965227401 | XX/XX/XXXX | 07/31/2019 | 12 | 098765655443 | 0 | 11 |
| 2965227827 | XX/XX/XXXX | 07/31/2019 | 12 | 987654321000 | 0 | 9 |
| 2965227272 | XX/XX/XXXX | 07/31/2019 | 12 | 999999987654 | 0 | 12 |
| 2965227200 | XX/XX/XXXX | 07/31/2019 | 12 | 999876543333 | 0 | 12 |
| 2965227652 | XX/XX/XXXX | 07/31/2019 | 12 | 999876543321 | 0 | 12 |
| 2965227742 | XX/XX/XXXX | 07/31/2019 | 12 | 999999998765 | 0 | 12 |
| 2965227450 | XX/XX/XXXX | 07/31/2019 | 12 | 876544555432 | 0 | 12 |
| 2965227820 | XX/XX/XXXX | 07/31/2019 | 12 | 122211111100 | 0 | 10 |
| 2965226995 | XX/XX/XXXX | 07/31/2019 | 12 | 876565555432 | 0 | 12 |
| 2965226895 | XX/XX/XXXX | 07/31/2019 | 12 | 076565544322 | 0 | 11 |
| 2965227039 | XX/XX/XXXX | 07/31/2019 | 12 | 021121001265 | 0 | 9 |
| 2965227054 | XX/XX/XXXX | 07/31/2019 | 12 | 999999999999 | 0 | 12 |
| 2965227208 | XX/XX/XXXX | 07/31/2019 | 12 | 999999998765 | 0 | 12 |
| 2965227555 | XX/XX/XXXX | 07/31/2019 | 12 | 999998765432 | 0 | 12 |
| 2965227766 | XX/XX/XXXX | 07/31/2019 | 12 | 543210099876 | 0 | 10 |
| 2965227868 | XX/XX/XXXX | 07/31/2019 | 12 | 999943654321 | 0 | 12 |
| 2965227862 | XX/XX/XXXX | 07/31/2019 | 12 | 999999999999 | 0 | 12 |
| 2965227411 | XX/XX/XXXX | 07/31/2019 | 12 | 999987654321 | 0 | 12 |
| 2965227309 | XX/XX/XXXX | 07/31/2019 | 12 | 999876543210 | 0 | 11 |
| 2965227550 | XX/XX/XXXX | 07/31/2019 | 12 | 998776655443 | 0 | 12 |
| 2965227872 | XX/XX/XXXX | 07/31/2019 | 12 | 229999876543 | 0 | 12 |
| 2965227826 | XX/XX/XXXX | 07/31/2019 | 12 | 999999999999 | 0 | 12 |
| 2965227428 | XX/XX/XXXX | 07/31/2019 | 12 | 987765432100 | 0 | 10 |
| 2965227446 | XX/XX/XXXX | 07/31/2019 | 12 | 999999999998 | 0 | 12 |
| 2965227118 | XX/XX/XXXX | 07/31/2019 | 12 | 766655443432 | 0 | 12 |
| 2965227137 | XX/XX/XXXX | 07/31/2019 | 12 | 998765432100 | 0 | 10 |
| 2965227713 | XX/XX/XXXX | 07/31/2019 | 12 | 999999999876 | 0 | 12 |
| 2965227015 | XX/XX/XXXX | 07/31/2019 | 12 | 088999998765 | 0 | 11 |
| 2965226889 | XX/XX/XXXX | 07/31/2019 | 12 | 999999876543 | 0 | 12 |
| 2965227386 | XX/XX/XXXX | 07/31/2019 | 12 | 999999987655 | 0 | 12 |
| 2965227847 | XX/XX/XXXX | 07/31/2019 | 12 | 432110000000 | 0 | 5 |
| 2965227442 | XX/XX/XXXX | 07/31/2019 | 12 | 999877798777 | 0 | 12 |
| 2965227867 | XX/XX/XXXX | 07/31/2019 | 12 | 021111000000 | 0 | 5 |
| 2965227318 | XX/XX/XXXX | 07/31/2019 | 12 | 121223244333 | 0 | 12 |
| 2965227537 | XX/XX/XXXX | 07/31/2019 | 12 | 999999987765 | 0 | 12 |
| 2965227777 | XX/XX/XXXX | 07/31/2019 | 12 | 121000000000 | 0 | 3 |
| 2965227639 | XX/XX/XXXX | 07/31/2019 | 12 | 999999987666 | 0 | 12 |
| 2965227689 | XX/XX/XXXX | 07/31/2019 | 12 | 777888887665 | 0 | 12 |
| 2965227804 | XX/XX/XXXX | 07/31/2019 | 12 | 222222221000 | 0 | 9 |
| 2965227580 | XX/XX/XXXX | 07/31/2019 | 12 | 121021100000 | 0 | 6 |
| 2965227123 | XX/XX/XXXX | 07/31/2019 | 12 | 332220000000 | 0 | 5 |
| 2965227799 | XX/XX/XXXX | 07/31/2019 | 12 | 443332110000 | 0 | 8 |
| 2965227605 | XX/XX/XXXX | 07/31/2019 | 12 | 221100000000 | 0 | 4 |
| 2965227710 | XX/XX/XXXX | 07/31/2019 | 12 | 222111100000 | 0 | 7 |
| 2965227753 | XX/XX/XXXX | 07/31/2019 | 12 | 221100000000 | 0 | 4 |
| 2965226847 | XX/XX/XXXX | 07/31/2019 | 12 | 999999987654 | 0 | 12 |
| 2965227856 | XX/XX/XXXX | 07/31/2019 | 12 | 021000000000 | 0 | 2 |
| 2965227228 | XX/XX/XXXX | 07/31/2019 | 12 | 222222210000 | 0 | 8 |
| 2965227294 | XX/XX/XXXX | 07/31/2019 | 12 | 432211000000 | 0 | 6 |
| 2965227728 | XX/XX/XXXX | 07/31/2019 | 12 | 222111110222 | 0 | 11 |
| 2965227280 | XX/XX/XXXX | 07/31/2019 | 12 | 222222222211 | 0 | 12 |
| 2965227345 | XX/XX/XXXX | 07/31/2019 | 12 | 222221111111 | 0 | 12 |
| 2965227119 | XX/XX/XXXX | 07/31/2019 | 12 | 323223333222 | 0 | 12 |
| 2965227046 | XX/XX/XXXX | 07/31/2019 | 12 | 444432222221 | 0 | 12 |
| 2965227527 | XX/XX/XXXX | 07/31/2019 | 12 | 999876543333 | 0 | 12 |
| 2965227878 | XX/XX/XXXX | 07/31/2019 | 12 | 322110000000 | 0 | 5 |
| 2965226940 | XX/XX/XXXX | 07/31/2019 | 12 | 332223221222 | 0 | 12 |
| 2965226836 | XX/XX/XXXX | 07/31/2019 | 12 | 222233433332 | 0 | 12 |
| 2965227700 | XX/XX/XXXX | 07/31/2019 | 12 | 222222222221 | 0 | 12 |
| 2965227274 | XX/XX/XXXX | 07/31/2019 | 12 | 021000000000 | 0 | 2 |
| 2965227564 | XX/XX/XXXX | 07/31/2019 | 12 | 999999999999 | 0 | 12 |
| 2965227240 | XX/XX/XXXX | 07/31/2019 | 12 | 332213232221 | 0 | 12 |
| 2965227033 | XX/XX/XXXX | 07/31/2019 | 12 | 544322210100 | 0 | 9 |
| 2965227344 | XX/XX/XXXX | 07/31/2019 | 12 | 654322143212 | 0 | 12 |
| 2965226880 | XX/XX/XXXX | 07/31/2019 | 12 | 333333332222 | 0 | 12 |
| 2965227507 | XX/XX/XXXX | 07/31/2019 | 12 | 777654321111 | 0 | 12 |
| 2965227696 | XX/XX/XXXX | 07/31/2019 | 12 | 032432111100 | 0 | 9 |
| 2965226933 | XX/XX/XXXX | 07/31/2019 | 12 | 032101000000 | 0 | 4 |
| 2965227736 | XX/XX/XXXX | 07/31/2019 | 12 | 999876543211 | 0 | 12 |
| 2965227706 | XX/XX/XXXX | 07/31/2019 | 12 | 876543332210 | 0 | 11 |
| 2965227107 | XX/XX/XXXX | 07/31/2019 | 12 | 222111000000 | 0 | 6 |
| 2965226873 | XX/XX/XXXX | 07/31/2019 | 12 | 433210000000 | 0 | 5 |
| 2965227263 | XX/XX/XXXX | 07/31/2019 | 12 | 021010022211 | 0 | 8 |
| 2965227176 | XX/XX/XXXX | 07/31/2019 | 12 | 543321111113 | 0 | 12 |
| 2965227798 | XX/XX/XXXX | 07/31/2019 | 12 | 321010000000 | 0 | 4 |
| 2965226926 | XX/XX/XXXX | 07/31/2019 | 12 | 221111210076 | 0 | 10 |
| 2965226856 | XX/XX/XXXX | 07/31/2019 | 12 | 121000000000 | 0 | 3 |
| 2965227082 | XX/XX/XXXX | 07/31/2019 | 12 | 322211000000 | 0 | 6 |
| 2965226920 | XX/XX/XXXX | 07/31/2019 | 12 | 323223221100 | 0 | 10 |
| 2965227577 | XX/XX/XXXX | 07/31/2019 | 12 | 054332333322 | 0 | 11 |
| 2965226827 | XX/XX/XXXX | 07/31/2019 | 12 | 322222222222 | 0 | 12 |
| 2965227563 | XX/XX/XXXX | 07/31/2019 | 12 | 221010000000 | 0 | 4 |
| 2965226805 | XX/XX/XXXX | 07/31/2019 | 12 | 021010543333 | 0 | 9 |
| 2965227366 | XX/XX/XXXX | 07/31/2019 | 12 | 222222222221 | 0 | 12 |
| 2965227018 | XX/XX/XXXX | 07/31/2019 | 12 | 121111112111 | 0 | 12 |
| 2965227132 | XX/XX/XXXX | 07/31/2019 | 12 | 006543210000 | 0 | 6 |
| 2965226970 | XX/XX/XXXX | 07/31/2019 | 12 | 999989987654 | 0 | 12 |
| 2965227765 | XX/XX/XXXX | 07/31/2019 | 12 | 333333322221 | 0 | 12 |
| 2965227024 | XX/XX/XXXX | 07/31/2019 | 12 | 010000000000 | 0 | 1 |
| 2965227388 | XX/XX/XXXX | 07/31/2019 | 12 | 222111000076 | 0 | 8 |
| 2965227646 | XX/XX/XXXX | 07/31/2019 | 12 | 021110101000 | 0 | 6 |
| 2965226974 | XX/XX/XXXX | 07/31/2019 | 12 | 021111000010 | 0 | 6 |
| 2965227662 | XX/XX/XXXX | 07/31/2019 | 12 | 043210000000 | 0 | 4 |
| 2965227360 | XX/XX/XXXX | 07/31/2019 | 12 | 899999999999 | 0 | 12 |
| 2965227751 | XX/XX/XXXX | 07/31/2019 | 12 | 121102111000 | 0 | 8 |
| 2965227669 | XX/XX/XXXX | 07/31/2019 | 12 | 021000000000 | 0 | 2 |
| 2965227390 | XX/XX/XXXX | 07/31/2019 | 12 | 543210000000 | 0 | 5 |
| 2965227518 | XX/XX/XXXX | 07/31/2019 | 12 | 789999999999 | 0 | 12 |
| 2965227229 | XX/XX/XXXX | 07/31/2019 | 12 | 765432102107 | 0 | 10 |
| 2965227210 | XX/XX/XXXX | 07/31/2019 | 12 | 032100000000 | 0 | 3 |
| 2965227070 | XX/XX/XXXX | 07/31/2019 | 12 | 433222111110 | 0 | 11 |
| 2965227092 | XX/XX/XXXX | 07/31/2019 | 12 | 223211121011 | 0 | 11 |
| 2965226828 | XX/XX/XXXX | 07/31/2019 | 12 | 222212111111 | 0 | 12 |
| 2965227711 | XX/XX/XXXX | 07/31/2019 | 12 | 322112110000 | 0 | 8 |
| 2965227193 | XX/XX/XXXX | 07/31/2019 | 12 | 322102111100 | 0 | 9 |
| 2965227180 | XX/XX/XXXX | 07/31/2019 | 12 | 798877766543 | 0 | 12 |
| 2965226907 | XX/XX/XXXX | 07/31/2019 | 12 | 788765432221 | 0 | 12 |
| 2965227019 | XX/XX/XXXX | 07/31/2019 | 12 | 998765432100 | 0 | 10 |
| 2965227722 | XX/XX/XXXX | 07/31/2019 | 12 | 322221000000 | 0 | 6 |
| 2965227830 | XX/XX/XXXX | 07/31/2019 | 12 | 554321000000 | 0 | 6 |
| 2965227758 | XX/XX/XXXX | 07/31/2019 | 12 | 065443322100 | 0 | 9 |
| 2965227693 | XX/XX/XXXX | 07/31/2019 | 12 | 121221112111 | 0 | 12 |
| 2965227567 | XX/XX/XXXX | 07/31/2019 | 12 | 333332222100 | 0 | 10 |
| 2965227038 | XX/XX/XXXX | 07/31/2019 | 12 | 433221111000 | 0 | 9 |
| 2965226922 | XX/XX/XXXX | 07/31/2019 | 12 | 222222132221 | 0 | 12 |
| 2965227027 | XX/XX/XXXX | 07/31/2019 | 12 | 444222221100 | 0 | 10 |
| 2965227268 | XX/XX/XXXX | 07/31/2019 | 12 | 665432100000 | 0 | 7 |
| 2965226806 | XX/XX/XXXX | 07/31/2019 | 12 | 099999999999 | 0 | 11 |
| 2965227719 | XX/XX/XXXX | 07/31/2019 | 12 | 232232211100 | 0 | 10 |
| 2965227558 | XX/XX/XXXX | 07/31/2019 | 12 | 099999999999 | 0 | 11 |
| 2965226798 | XX/XX/XXXX | 07/31/2019 | 12 | 099887654321 | 0 | 11 |
| 2965227679 | XX/XX/XXXX | 07/31/2019 | 12 | 999999XXXNNN | 3 | 6 |
| 2965227641 | XX/XX/XXXX | 07/31/2019 | 12 | 222222232222 | 0 | 12 |
| 2965227803 | XX/XX/XXXX | 07/31/2019 | 12 | 999999999999 | 0 | 12 |
| 2965227053 | XX/XX/XXXX | 07/31/2019 | 12 | 222222222222 | 0 | 12 |
| 2965227431 | XX/XX/XXXX | 07/31/2019 | 12 | 054432111111 | 0 | 11 |
| 2965227336 | XX/XX/XXXX | 07/31/2019 | 12 | 543210000012 | 0 | 7 |
| 2965227312 | XX/XX/XXXX | 07/31/2019 | 12 | 999999999999 | 0 | 12 |
| 2965227874 | XX/XX/XXXX | 07/31/2019 | 12 | 099998765432 | 0 | 11 |
| 2965226864 | XX/XX/XXXX | 07/31/2019 | 12 | 071033333333 | 0 | 10 |
| 2965227167 | XX/XX/XXXX | 07/31/2019 | 12 | 9999XXXXXXXX | 8 | 4 |
| 2965227382 | XX/XX/XXXX | 07/31/2019 | 12 | 032110999876 | 0 | 10 |
| 2965227860 | XX/XX/XXXX | 08/31/2019 | 12 | 321021021021 | 0 | 9 |
| 2965227396 | XX/XX/XXXX | 08/31/2019 | 12 | 221121111110 | 0 | 11 |
| 2965227440 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227472 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000100 | 0 | 2 |
| 2965227350 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111112 | 0 | 12 |
| 2965226989 | XX/XX/XXXX | 08/31/2019 | 12 | 001010112110 | 0 | 7 |
| 2965227653 | XX/XX/XXXX | 08/31/2019 | 12 | 210102210000 | 0 | 6 |
| 2965227385 | XX/XX/XXXX | 08/31/2019 | 12 | 211111001000 | 0 | 7 |
| 2965227131 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227509 | XX/XX/XXXX | 08/31/2019 | 12 | 098877654332 | 0 | 11 |
| 2965226918 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227763 | XX/XX/XXXX | 08/31/2019 | 12 | 110100000000 | 0 | 3 |
| 2965226987 | XX/XX/XXXX | 08/31/2019 | 12 | 002122211211 | 0 | 10 |
| 2965227052 | XX/XX/XXXX | 08/31/2019 | 12 | 211000010000 | 0 | 4 |
| 2965227635 | XX/XX/XXXX | 08/31/2019 | 12 | 132111100000 | 0 | 7 |
| 2965227374 | XX/XX/XXXX | 08/31/2019 | 12 | 111011010111 | 0 | 9 |
| 2965227604 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227438 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227261 | XX/XX/XXXX | 08/31/2019 | 12 | 111009999999 | 0 | 10 |
| 2965226868 | XX/XX/XXXX | 08/31/2019 | 12 | 221110010000 | 0 | 6 |
| 2965227699 | XX/XX/XXXX | 08/31/2019 | 12 | 002222222212 | 0 | 10 |
| 2965227465 | XX/XX/XXXX | 08/31/2019 | 12 | 110001000100 | 0 | 4 |
| 2965226846 | XX/XX/XXXX | 08/31/2019 | 12 | 001001001999 | 0 | 6 |
| 2965227257 | XX/XX/XXXX | 08/31/2019 | 12 | 111100001110 | 0 | 7 |
| 2965227610 | XX/XX/XXXX | 08/31/2019 | 12 | 011000000000 | 0 | 2 |
| 2965227853 | XX/XX/XXXX | 08/31/2019 | 12 | 111111110000 | 0 | 8 |
| 2965227043 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227738 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227270 | XX/XX/XXXX | 08/31/2019 | 12 | 009999876543 | 0 | 10 |
| 2965227690 | XX/XX/XXXX | 08/31/2019 | 12 | 111110212100 | 0 | 9 |
| 2965227165 | XX/XX/XXXX | 08/31/2019 | 12 | 111000000101 | 0 | 5 |
| 2965227560 | XX/XX/XXXX | 08/31/2019 | 12 | 222222221211 | 0 | 12 |
| 2965227532 | XX/XX/XXXX | 08/31/2019 | 12 | 101111100000 | 0 | 6 |
| 2965227485 | XX/XX/XXXX | 08/31/2019 | 12 | 100221214232 | 0 | 10 |
| 2965226994 | XX/XX/XXXX | 08/31/2019 | 12 | 111100000999 | 0 | 7 |
| 2965227317 | XX/XX/XXXX | 08/31/2019 | 12 | 012121199999 | 0 | 11 |
| 2965227305 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227839 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227206 | XX/XX/XXXX | 08/31/2019 | 12 | 100199999999 | 0 | 10 |
| 2965227061 | XX/XX/XXXX | 08/31/2019 | 12 | 322212111032 | 0 | 11 |
| 2965227008 | XX/XX/XXXX | 08/31/2019 | 12 | 101110011221 | 0 | 9 |
| 2965227634 | XX/XX/XXXX | 08/31/2019 | 12 | 111100000000 | 0 | 4 |
| 2965226883 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000011 | 0 | 3 |
| 2965227658 | XX/XX/XXXX | 08/31/2019 | 12 | 009999999999 | 0 | 10 |
| 2965227841 | XX/XX/XXXX | 08/31/2019 | 12 | 101000000000 | 0 | 2 |
| 2965226803 | XX/XX/XXXX | 08/31/2019 | 12 | 211121001211 | 0 | 10 |
| 2965227436 | XX/XX/XXXX | 08/31/2019 | 12 | 233222222222 | 0 | 12 |
| 2965226874 | XX/XX/XXXX | 08/31/2019 | 12 | 010000100055 | 0 | 4 |
| 2965227632 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227726 | XX/XX/XXXX | 08/31/2019 | 12 | 110100001100 | 0 | 5 |
| 2965227824 | XX/XX/XXXX | 08/31/2019 | 12 | 110000000000 | 0 | 2 |
| 2965227462 | XX/XX/XXXX | 08/31/2019 | 12 | 001010111100 | 0 | 6 |
| 2965227864 | XX/XX/XXXX | 08/31/2019 | 12 | 232102110000 | 0 | 7 |
| 2965227145 | XX/XX/XXXX | 08/31/2019 | 12 | 110032110000 | 0 | 6 |
| 2965227343 | XX/XX/XXXX | 08/31/2019 | 12 | 021000999999 | 0 | 8 |
| 2965227501 | XX/XX/XXXX | 08/31/2019 | 12 | 009999999999 | 0 | 10 |
| 2965226801 | XX/XX/XXXX | 08/31/2019 | 12 | 111000000000 | 0 | 3 |
| 2965227211 | XX/XX/XXXX | 08/31/2019 | 12 | 099999999999 | 0 | 11 |
| 2965227779 | XX/XX/XXXX | 08/31/2019 | 12 | 333523343232 | 0 | 12 |
| 2965227576 | XX/XX/XXXX | 08/31/2019 | 12 | 101100232100 | 0 | 7 |
| 2965227292 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000100 | 0 | 2 |
| 2965227724 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227606 | XX/XX/XXXX | 08/31/2019 | 12 | 001111100009 | 0 | 6 |
| 2965227647 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227877 | XX/XX/XXXX | 08/31/2019 | 12 | 221000000000 | 0 | 3 |
| 2965227225 | XX/XX/XXXX | 08/31/2019 | 12 | 111101112212 | 0 | 11 |
| 2965227358 | XX/XX/XXXX | 08/31/2019 | 12 | 113321000099 | 0 | 8 |
| 2965227007 | XX/XX/XXXX | 08/31/2019 | 12 | 110000100000 | 0 | 3 |
| 2965227626 | XX/XX/XXXX | 08/31/2019 | 12 | 023999999999 | 0 | 11 |
| 2965227734 | XX/XX/XXXX | 08/31/2019 | 12 | 211100000000 | 0 | 4 |
| 2965227685 | XX/XX/XXXX | 08/31/2019 | 12 | 100000009999 | 0 | 5 |
| 2965227818 | XX/XX/XXXX | 08/31/2019 | 12 | 001100000221 | 0 | 5 |
| 2965227310 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227762 | XX/XX/XXXX | 08/31/2019 | 12 | 100000001000 | 0 | 2 |
| 2965227504 | XX/XX/XXXX | 08/31/2019 | 12 | 321111021100 | 0 | 9 |
| 2965227668 | XX/XX/XXXX | 08/31/2019 | 12 | 002222222222 | 0 | 10 |
| 2965227617 | XX/XX/XXXX | 08/31/2019 | 12 | 011001000011 | 0 | 5 |
| 2965227384 | XX/XX/XXXX | 08/31/2019 | 12 | 321012221101 | 0 | 10 |
| 2965227075 | XX/XX/XXXX | 08/31/2019 | 12 | 001000032101 | 0 | 5 |
| 2965227050 | XX/XX/XXXX | 08/31/2019 | 12 | 022222211111 | 0 | 11 |
| 2965227399 | XX/XX/XXXX | 08/31/2019 | 12 | 223221225432 | 0 | 12 |
| 2965227729 | XX/XX/XXXX | 08/31/2019 | 12 | 010000099999 | 0 | 6 |
| 2965227845 | XX/XX/XXXX | 08/31/2019 | 12 | 111103322434 | 0 | 11 |
| 2965227426 | XX/XX/XXXX | 08/31/2019 | 12 | 101100000000 | 0 | 3 |
| 2965227871 | XX/XX/XXXX | 08/31/2019 | 12 | 001012227654 | 0 | 9 |
| 2965227869 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227429 | XX/XX/XXXX | 08/31/2019 | 12 | 111111121111 | 0 | 12 |
| 2965227829 | XX/XX/XXXX | 08/31/2019 | 12 | 111001000899 | 0 | 7 |
| 2965227278 | XX/XX/XXXX | 08/31/2019 | 12 | 032111111000 | 0 | 8 |
| 2965227548 | XX/XX/XXXX | 08/31/2019 | 12 | 32XXXXXXXXXX | 10 | 2 |
| 2965227464 | XX/XX/XXXX | 08/31/2019 | 12 | 110000001000 | 0 | 3 |
| 2965227705 | XX/XX/XXXX | 08/31/2019 | 12 | 010000110100 | 0 | 4 |
| 2965227335 | XX/XX/XXXX | 08/31/2019 | 12 | 021111000100 | 0 | 6 |
| 2965227226 | XX/XX/XXXX | 08/31/2019 | 12 | 100122211111 | 0 | 10 |
| 2965227445 | XX/XX/XXXX | 08/31/2019 | 12 | 005432222222 | 0 | 10 |
| 2965227674 | XX/XX/XXXX | 08/31/2019 | 12 | 210210121013 | 0 | 9 |
| 2965227666 | XX/XX/XXXX | 08/31/2019 | 12 | 011111111000 | 0 | 8 |
| 2965227486 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227381 | XX/XX/XXXX | 08/31/2019 | 12 | 111210002211 | 0 | 9 |
| 2965227417 | XX/XX/XXXX | 08/31/2019 | 12 | 100010000099 | 0 | 4 |
| 2965227154 | XX/XX/XXXX | 08/31/2019 | 12 | 132109876543 | 0 | 11 |
| 2965227821 | XX/XX/XXXX | 08/31/2019 | 12 | 001222222112 | 0 | 10 |
| 2965227357 | XX/XX/XXXX | 08/31/2019 | 12 | 001012112102 | 0 | 8 |
| 2965227499 | XX/XX/XXXX | 08/31/2019 | 12 | 099999999999 | 0 | 11 |
| 2965227709 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000111 | 0 | 4 |
| 2965227776 | XX/XX/XXXX | 08/31/2019 | 12 | 099876540211 | 0 | 10 |
| 2965227660 | XX/XX/XXXX | 08/31/2019 | 12 | 111112110222 | 0 | 11 |
| 2965227654 | XX/XX/XXXX | 08/31/2019 | 12 | 211010001000 | 0 | 5 |
| 2965227640 | XX/XX/XXXX | 08/31/2019 | 12 | 010013222122 | 0 | 9 |
| 2965227630 | XX/XX/XXXX | 08/31/2019 | 12 | 110000000000 | 0 | 2 |
| 2965227479 | XX/XX/XXXX | 08/31/2019 | 12 | 111000000000 | 0 | 3 |
| 2965227846 | XX/XX/XXXX | 08/31/2019 | 12 | 009999999999 | 0 | 10 |
| 2965227535 | XX/XX/XXXX | 08/31/2019 | 12 | 101100000000 | 0 | 3 |
| 2965227619 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000004 | 0 | 2 |
| 2965227410 | XX/XX/XXXX | 08/31/2019 | 12 | 111112122112 | 0 | 12 |
| 2965227581 | XX/XX/XXXX | 08/31/2019 | 12 | 344343243222 | 0 | 12 |
| 2965227844 | XX/XX/XXXX | 08/31/2019 | 12 | 111021000100 | 0 | 6 |
| 2965227546 | XX/XX/XXXX | 08/31/2019 | 12 | 211001112212 | 0 | 10 |
| 2965227296 | XX/XX/XXXX | 08/31/2019 | 12 | 111112223422 | 0 | 12 |
| 2965226817 | XX/XX/XXXX | 08/31/2019 | 12 | 010000110001 | 0 | 4 |
| 2965227597 | XX/XX/XXXX | 08/31/2019 | 12 | 121000100000 | 0 | 4 |
| 2965227290 | XX/XX/XXXX | 08/31/2019 | 12 | 111000000001 | 0 | 4 |
| 2965227692 | XX/XX/XXXX | 08/31/2019 | 12 | 100000023333 | 0 | 6 |
| 2965227488 | XX/XX/XXXX | 08/31/2019 | 12 | 100000222121 | 0 | 7 |
| 2965227832 | XX/XX/XXXX | 08/31/2019 | 12 | 011000055543 | 0 | 7 |
| 2965227291 | XX/XX/XXXX | 08/31/2019 | 12 | 010000000010 | 0 | 2 |
| 2965227151 | XX/XX/XXXX | 08/31/2019 | 12 | 211000000022 | 0 | 5 |
| 2965226973 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000010 | 0 | 2 |
| 2965227011 | XX/XX/XXXX | 08/31/2019 | 12 | 001222265432 | 0 | 10 |
| 2965226845 | XX/XX/XXXX | 08/31/2019 | 12 | 010001122100 | 0 | 6 |
| 2965227329 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227266 | XX/XX/XXXX | 08/31/2019 | 12 | 101111112111 | 0 | 11 |
| 2965227525 | XX/XX/XXXX | 08/31/2019 | 12 | 121111100000 | 0 | 7 |
| 2965226865 | XX/XX/XXXX | 08/31/2019 | 12 | 010110124322 | 0 | 9 |
| 2965226791 | XX/XX/XXXX | 08/31/2019 | 12 | 210000000000 | 0 | 2 |
| 2965227801 | XX/XX/XXXX | 08/31/2019 | 12 | 101012432110 | 0 | 9 |
| 2965226988 | XX/XX/XXXX | 08/31/2019 | 12 | 010011233222 | 0 | 9 |
| 2965227044 | XX/XX/XXXX | 08/31/2019 | 12 | 211100000000 | 0 | 4 |
| 2965227837 | XX/XX/XXXX | 08/31/2019 | 12 | 211321322102 | 0 | 11 |
| 2965227152 | XX/XX/XXXX | 08/31/2019 | 12 | 221100022215 | 0 | 9 |
| 2965226850 | XX/XX/XXXX | 08/31/2019 | 12 | 002213322222 | 0 | 10 |
| 2965226888 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965226998 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227757 | XX/XX/XXXX | 08/31/2019 | 12 | 100000003210 | 0 | 4 |
| 2965226795 | XX/XX/XXXX | 08/31/2019 | 12 | 010011100100 | 0 | 5 |
| 2965226972 | XX/XX/XXXX | 08/31/2019 | 12 | 111000111100 | 0 | 7 |
| 2965226886 | XX/XX/XXXX | 08/31/2019 | 12 | 013111222211 | 0 | 11 |
| 2965227298 | XX/XX/XXXX | 08/31/2019 | 12 | 323222223222 | 0 | 12 |
| 2965227112 | XX/XX/XXXX | 08/31/2019 | 12 | 110100101111 | 0 | 8 |
| 2965226884 | XX/XX/XXXX | 08/31/2019 | 12 | 009997776654 | 0 | 10 |
| 2965226919 | XX/XX/XXXX | 08/31/2019 | 12 | 100011121112 | 0 | 9 |
| 2965227081 | XX/XX/XXXX | 08/31/2019 | 12 | 110001111111 | 0 | 9 |
| 2965227077 | XX/XX/XXXX | 08/31/2019 | 12 | 210001110000 | 0 | 5 |
| 2965226983 | XX/XX/XXXX | 08/31/2019 | 12 | 211111111111 | 0 | 12 |
| 2965227377 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965226950 | XX/XX/XXXX | 08/31/2019 | 12 | 110110000100 | 0 | 5 |
| 2965226893 | XX/XX/XXXX | 08/31/2019 | 12 | 110000001010 | 0 | 4 |
| 2965227199 | XX/XX/XXXX | 08/31/2019 | 12 | 233333333333 | 0 | 12 |
| 2965227691 | XX/XX/XXXX | 08/31/2019 | 12 | 233299999999 | 0 | 12 |
| 2965227337 | XX/XX/XXXX | 08/31/2019 | 12 | 110000101000 | 0 | 4 |
| 2965226952 | XX/XX/XXXX | 08/31/2019 | 12 | 002431101000 | 0 | 6 |
| 2965226964 | XX/XX/XXXX | 08/31/2019 | 12 | 211000000000 | 0 | 3 |
| 2965226844 | XX/XX/XXXX | 08/31/2019 | 12 | 001099999999 | 0 | 9 |
| 2965227430 | XX/XX/XXXX | 08/31/2019 | 12 | 243XXXXXXXXX | 9 | 3 |
| 2965226903 | XX/XX/XXXX | 08/31/2019 | 12 | 111100000001 | 0 | 5 |
| 2965226986 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227037 | XX/XX/XXXX | 08/31/2019 | 12 | 043433333221 | 0 | 11 |
| 2965227823 | XX/XX/XXXX | 08/31/2019 | 12 | 221121212121 | 0 | 12 |
| 2965226993 | XX/XX/XXXX | 08/31/2019 | 12 | 010000000000 | 0 | 1 |
| 2965226882 | XX/XX/XXXX | 08/31/2019 | 12 | 009999999999 | 0 | 10 |
| 2965227629 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965226857 | XX/XX/XXXX | 08/31/2019 | 12 | 001000210010 | 0 | 4 |
| 2965227299 | XX/XX/XXXX | 08/31/2019 | 12 | 311321002002 | 0 | 8 |
| 2965226908 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965226948 | XX/XX/XXXX | 08/31/2019 | 12 | 010000100010 | 0 | 3 |
| 2965227073 | XX/XX/XXXX | 08/31/2019 | 12 | 223221112213 | 0 | 12 |
| 2965226978 | XX/XX/XXXX | 08/31/2019 | 12 | 210110000000 | 0 | 4 |
| 2965227157 | XX/XX/XXXX | 08/31/2019 | 12 | 002222112211 | 0 | 10 |
| 2965226793 | XX/XX/XXXX | 08/31/2019 | 12 | 101000000211 | 0 | 5 |
| 2965227230 | XX/XX/XXXX | 08/31/2019 | 12 | 004321076543 | 0 | 9 |
| 2965226899 | XX/XX/XXXX | 08/31/2019 | 12 | 100044432101 | 0 | 8 |
| 2965226944 | XX/XX/XXXX | 08/31/2019 | 12 | 101000000000 | 0 | 2 |
| 2965226958 | XX/XX/XXXX | 08/31/2019 | 12 | 111000000000 | 0 | 3 |
| 2965226916 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965226939 | XX/XX/XXXX | 08/31/2019 | 12 | 323232312233 | 0 | 12 |
| 2965227009 | XX/XX/XXXX | 08/31/2019 | 12 | XXXXXXXXXXXX | 12 | 0 |
| 2965226808 | XX/XX/XXXX | 08/31/2019 | 12 | 101000000099 | 0 | 4 |
| 2965227153 | XX/XX/XXXX | 08/31/2019 | 12 | 011000000001 | 0 | 3 |
| 2965227817 | XX/XX/XXXX | 08/31/2019 | 12 | XXXXXXXXXXXX | 12 | 0 |
| 2965226812 | XX/XX/XXXX | 08/31/2019 | 12 | 099999999999 | 0 | 11 |
| 2965226831 | XX/XX/XXXX | 08/31/2019 | 12 | 102102333322 | 0 | 10 |
| 2965226876 | XX/XX/XXXX | 08/31/2019 | 12 | 110001000021 | 0 | 5 |
| 2965227005 | XX/XX/XXXX | 08/31/2019 | 12 | 021043210000 | 0 | 6 |
| 2965227030 | XX/XX/XXXX | 08/31/2019 | 12 | 001122100000 | 0 | 5 |
| 2965226829 | XX/XX/XXXX | 08/31/2019 | 12 | 111110211119 | 0 | 11 |
| 2965226959 | XX/XX/XXXX | 08/31/2019 | 12 | 002112111121 | 0 | 10 |
| 2965227570 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227631 | XX/XX/XXXX | 08/31/2019 | 12 | 210110101010 | 0 | 7 |
| 2965227819 | XX/XX/XXXX | 08/31/2019 | 12 | 011111111111 | 0 | 11 |
| 2965227615 | XX/XX/XXXX | 08/31/2019 | 12 | 221121111121 | 0 | 12 |
| 2965227020 | XX/XX/XXXX | 08/31/2019 | 12 | 000001245776 | 0 | 7 |
| 2965227870 | XX/XX/XXXX | 08/31/2019 | 12 | 010200211132 | 0 | 8 |
| 2965227220 | XX/XX/XXXX | 08/31/2019 | 12 | 001010001000 | 0 | 3 |
| 2965227048 | XX/XX/XXXX | 08/31/2019 | 12 | 101111121222 | 0 | 11 |
| 2965227519 | XX/XX/XXXX | 08/31/2019 | 12 | 100666554322 | 0 | 10 |
| 2965227505 | XX/XX/XXXX | 08/31/2019 | 12 | 110002211111 | 0 | 9 |
| 2965227733 | XX/XX/XXXX | 08/31/2019 | 12 | 010000001100 | 0 | 3 |
| 2965226942 | XX/XX/XXXX | 08/31/2019 | 12 | 101001010110 | 0 | 6 |
| 2965227277 | XX/XX/XXXX | 08/31/2019 | 12 | 210122112221 | 0 | 11 |
| 2965227155 | XX/XX/XXXX | 08/31/2019 | 12 | 001010000000 | 0 | 2 |
| 2965226820 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227195 | XX/XX/XXXX | 08/31/2019 | 12 | 001112222221 | 0 | 10 |
| 2965227497 | XX/XX/XXXX | 08/31/2019 | 12 | 066552343210 | 0 | 10 |
| 2965226839 | XX/XX/XXXX | 08/31/2019 | 12 | 222214322100 | 0 | 10 |
| 2965227209 | XX/XX/XXXX | 08/31/2019 | 12 | 110000008877 | 0 | 6 |
| 2965227755 | XX/XX/XXXX | 08/31/2019 | 12 | 321098765432 | 0 | 11 |
| 2965227135 | XX/XX/XXXX | 08/31/2019 | 12 | 112111211111 | 0 | 12 |
| 2965227139 | XX/XX/XXXX | 08/31/2019 | 12 | 110000001000 | 0 | 3 |
| 2965227466 | XX/XX/XXXX | 08/31/2019 | 12 | 009999999876 | 0 | 10 |
| 2965227187 | XX/XX/XXXX | 08/31/2019 | 12 | 211100000332 | 0 | 7 |
| 2965227235 | XX/XX/XXXX | 08/31/2019 | 12 | 011102111000 | 0 | 7 |
| 2965226951 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227865 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227314 | XX/XX/XXXX | 08/31/2019 | 12 | 110001043232 | 0 | 8 |
| 2965227362 | XX/XX/XXXX | 08/31/2019 | 12 | 002121111010 | 0 | 8 |
| 2965227283 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227493 | XX/XX/XXXX | 08/31/2019 | 12 | 100000111111 | 0 | 7 |
| 2965227702 | XX/XX/XXXX | 08/31/2019 | 12 | 011000000000 | 0 | 2 |
| 2965227130 | XX/XX/XXXX | 08/31/2019 | 12 | 111110010000 | 0 | 6 |
| 2965227849 | XX/XX/XXXX | 08/31/2019 | 12 | 101111000000 | 0 | 5 |
| 2965227185 | XX/XX/XXXX | 08/31/2019 | 12 | 007765431121 | 0 | 10 |
| 2965227614 | XX/XX/XXXX | 08/31/2019 | 12 | 212111110111 | 0 | 11 |
| 2965227704 | XX/XX/XXXX | 08/31/2019 | 12 | 003211323333 | 0 | 10 |
| 2965227599 | XX/XX/XXXX | 08/31/2019 | 12 | 110021111199 | 0 | 10 |
| 2965227198 | XX/XX/XXXX | 08/31/2019 | 12 | 221111000101 | 0 | 8 |
| 2965227402 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227579 | XX/XX/XXXX | 08/31/2019 | 12 | 011111111111 | 0 | 11 |
| 2965227549 | XX/XX/XXXX | 08/31/2019 | 12 | 111110010000 | 0 | 6 |
| 2965227659 | XX/XX/XXXX | 08/31/2019 | 12 | 333222222322 | 0 | 12 |
| 2965227529 | XX/XX/XXXX | 08/31/2019 | 12 | 014432221000 | 0 | 8 |
| 2965227622 | XX/XX/XXXX | 08/31/2019 | 12 | 009999999999 | 0 | 10 |
| 2965227552 | XX/XX/XXXX | 08/31/2019 | 12 | 099999999999 | 0 | 11 |
| 2965227772 | XX/XX/XXXX | 08/31/2019 | 12 | 001122654323 | 0 | 10 |
| 2965227463 | XX/XX/XXXX | 08/31/2019 | 12 | 111000000000 | 0 | 3 |
| 2965227333 | XX/XX/XXXX | 08/31/2019 | 12 | 121211120099 | 0 | 10 |
| 2965227322 | XX/XX/XXXX | 08/31/2019 | 12 | 021010010112 | 0 | 7 |
| 2965227671 | XX/XX/XXXX | 08/31/2019 | 12 | 110122210000 | 0 | 7 |
| 2965227534 | XX/XX/XXXX | 08/31/2019 | 12 | 210221111055 | 0 | 10 |
| 2965227380 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227213 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227783 | XX/XX/XXXX | 08/31/2019 | 12 | 021121111111 | 0 | 11 |
| 2965227707 | XX/XX/XXXX | 08/31/2019 | 12 | 001000010000 | 0 | 2 |
| 2965227863 | XX/XX/XXXX | 08/31/2019 | 12 | 002111111111 | 0 | 10 |
| 2965227806 | XX/XX/XXXX | 08/31/2019 | 12 | 100111121221 | 0 | 10 |
| 2965227794 | XX/XX/XXXX | 08/31/2019 | 12 | 101100000000 | 0 | 3 |
| 2965227793 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000100 | 0 | 2 |
| 2965227424 | XX/XX/XXXX | 08/31/2019 | 12 | 223232111111 | 0 | 12 |
| 2965227642 | XX/XX/XXXX | 08/31/2019 | 12 | 321211100100 | 0 | 8 |
| 2965227694 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227624 | XX/XX/XXXX | 08/31/2019 | 12 | 222211111011 | 0 | 11 |
| 2965227489 | XX/XX/XXXX | 08/31/2019 | 12 | 002154322222 | 0 | 10 |
| 2965227575 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000001 | 0 | 2 |
| 2965227571 | XX/XX/XXXX | 08/31/2019 | 12 | 110002100002 | 0 | 5 |
| 2965227655 | XX/XX/XXXX | 08/31/2019 | 12 | 111111110000 | 0 | 8 |
| 2965227684 | XX/XX/XXXX | 08/31/2019 | 12 | 110000211100 | 0 | 6 |
| 2965227168 | XX/XX/XXXX | 08/31/2019 | 12 | 111100102100 | 0 | 7 |
| 2965227022 | XX/XX/XXXX | 08/31/2019 | 12 | 121000022211 | 0 | 8 |
| 2965227001 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000100 | 0 | 2 |
| 2965227194 | XX/XX/XXXX | 08/31/2019 | 12 | 210099999999 | 0 | 10 |
| 2965226923 | XX/XX/XXXX | 08/31/2019 | 12 | 211010043222 | 0 | 9 |
| 2965226881 | XX/XX/XXXX | 08/31/2019 | 12 | 100000001000 | 0 | 2 |
| 2965227058 | XX/XX/XXXX | 08/31/2019 | 12 | 001010111011 | 0 | 7 |
| 2965226971 | XX/XX/XXXX | 08/31/2019 | 12 | 110000000000 | 0 | 2 |
| 2965227090 | XX/XX/XXXX | 08/31/2019 | 12 | 101000101001 | 0 | 5 |
| 2965227231 | XX/XX/XXXX | 08/31/2019 | 12 | 100211110100 | 0 | 7 |
| 2965227682 | XX/XX/XXXX | 08/31/2019 | 12 | 101000332211 | 0 | 8 |
| 2965227407 | XX/XX/XXXX | 08/31/2019 | 12 | 010000000000 | 0 | 1 |
| 2965227475 | XX/XX/XXXX | 08/31/2019 | 12 | 332111111111 | 0 | 12 |
| 2965227330 | XX/XX/XXXX | 08/31/2019 | 12 | 121011000000 | 0 | 5 |
| 2965227260 | XX/XX/XXXX | 08/31/2019 | 12 | 010000000000 | 0 | 1 |
| 2965227750 | XX/XX/XXXX | 08/31/2019 | 12 | 000110122334 | 0 | 8 |
| 2965227494 | XX/XX/XXXX | 08/31/2019 | 12 | 007666543213 | 0 | 10 |
| 2965227770 | XX/XX/XXXX | 08/31/2019 | 12 | 002222223333 | 0 | 10 |
| 2965226915 | XX/XX/XXXX | 08/31/2019 | 12 | 111010110099 | 0 | 8 |
| 2965227177 | XX/XX/XXXX | 08/31/2019 | 12 | 099999999999 | 0 | 11 |
| 2965227103 | XX/XX/XXXX | 08/31/2019 | 12 | 010101110100 | 0 | 6 |
| 2965227091 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965226947 | XX/XX/XXXX | 08/31/2019 | 12 | 002111110003 | 0 | 7 |
| 2965226861 | XX/XX/XXXX | 08/31/2019 | 12 | 121212121211 | 0 | 12 |
| 2965226966 | XX/XX/XXXX | 08/31/2019 | 12 | 001223323344 | 0 | 10 |
| 2965227021 | XX/XX/XXXX | 08/31/2019 | 12 | 001111221111 | 0 | 10 |
| 2965226875 | XX/XX/XXXX | 08/31/2019 | 12 | 011110013210 | 0 | 8 |
| 2965226890 | XX/XX/XXXX | 08/31/2019 | 12 | 003222111000 | 0 | 7 |
| 2965226826 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227203 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227638 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227556 | XX/XX/XXXX | 08/31/2019 | 12 | 321111111111 | 0 | 12 |
| 2965227252 | XX/XX/XXXX | 08/31/2019 | 12 | 100011000000 | 0 | 3 |
| 2965227678 | XX/XX/XXXX | 08/31/2019 | 12 | 333222221111 | 0 | 12 |
| 2965227085 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000000 | 0 | 1 |
| 2965227138 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111000 | 0 | 9 |
| 2965227289 | XX/XX/XXXX | 08/31/2019 | 12 | 220121000099 | 0 | 7 |
| 2965227657 | XX/XX/XXXX | 08/31/2019 | 12 | 110000001001 | 0 | 4 |
| 2965227540 | XX/XX/XXXX | 08/31/2019 | 12 | 111000000000 | 0 | 3 |
| 2965227633 | XX/XX/XXXX | 08/31/2019 | 12 | 001100000001 | 0 | 3 |
| 2965227460 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227521 | XX/XX/XXXX | 08/31/2019 | 12 | 001000000111 | 0 | 4 |
| 2965227574 | XX/XX/XXXX | 08/31/2019 | 12 | 210210321212 | 0 | 10 |
| 2965227561 | XX/XX/XXXX | 08/31/2019 | 12 | 332221321211 | 0 | 12 |
| 2965227541 | XX/XX/XXXX | 08/31/2019 | 12 | 032432211211 | 0 | 11 |
| 2965227761 | XX/XX/XXXX | 08/31/2019 | 12 | 001001211111 | 0 | 8 |
| 2965227578 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227458 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227500 | XX/XX/XXXX | 08/31/2019 | 12 | XXXXXXXXXXXX | 12 | 0 |
| 2965227522 | XX/XX/XXXX | 08/31/2019 | 12 | 110000221111 | 0 | 8 |
| 2965227222 | XX/XX/XXXX | 08/31/2019 | 12 | 010111110111 | 0 | 9 |
| 2965227248 | XX/XX/XXXX | 08/31/2019 | 12 | 211010100001 | 0 | 6 |
| 2965227648 | XX/XX/XXXX | 08/31/2019 | 12 | 023212212111 | 0 | 11 |
| 2965227721 | XX/XX/XXXX | 08/31/2019 | 12 | 321032211110 | 0 | 10 |
| 2965227716 | XX/XX/XXXX | 08/31/2019 | 12 | 321111122222 | 0 | 12 |
| 2965227697 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227735 | XX/XX/XXXX | 08/31/2019 | 12 | 010001111111 | 0 | 8 |
| 2965227355 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227320 | XX/XX/XXXX | 08/31/2019 | 12 | 111111111111 | 0 | 12 |
| 2965227515 | XX/XX/XXXX | 08/31/2019 | 12 | 011100000000 | 0 | 3 |
| 2965227808 | XX/XX/XXXX | 08/31/2019 | 12 | 010101013222 | 0 | 8 |
| 2965227444 | XX/XX/XXXX | 08/31/2019 | 12 | 144321110999 | 0 | 11 |
| 2965227325 | XX/XX/XXXX | 08/31/2019 | 12 | 001000110010 | 0 | 4 |
| 2965227250 | XX/XX/XXXX | 08/31/2019 | 12 | 100001000000 | 0 | 2 |
| 2965227807 | XX/XX/XXXX | 08/31/2019 | 12 | 100999999999 | 0 | 10 |
| 2965227032 | XX/XX/XXXX | 08/31/2019 | 12 | 321000000000 | 0 | 3 |
| 2965227664 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227099 | XX/XX/XXXX | 08/31/2019 | 12 | 011000100002 | 0 | 4 |
| 2965227181 | XX/XX/XXXX | 08/31/2019 | 12 | 100000000000 | 0 | 1 |
| 2965227224 | XX/XX/XXXX | 08/31/2019 | 12 | 011010000001 | 0 | 4 |
| 2965227179 | XX/XX/XXXX | 08/31/2019 | 12 | 121212222222 | 0 | 12 |
| 2965226930 | XX/XX/XXXX | 08/31/2019 | 12 | 121111111111 | 0 | 12 |
| 2965226911 | XX/XX/XXXX | 08/31/2019 | 12 | 001001000011 | 0 | 4 |
| 2965226935 | XX/XX/XXXX | 08/31/2019 | 12 | 221000000010 | 0 | 4 |
| 2965227041 | XX/XX/XXXX | 08/31/2019 | 12 | 101100000100 | 0 | 4 |
| 2965227238 | XX/XX/XXXX | 08/31/2019 | 12 | 001000022221 | 0 | 6 |
| 2965227219 | XX/XX/XXXX | 08/31/2019 | 12 | 001011010000 | 0 | 4 |
| 2965227063 | XX/XX/XXXX | 08/31/2019 | 12 | 110000101111 | 0 | 7 |
| 2965227306 | XX/XX/XXXX | 08/31/2019 | 12 | 210000000000 | 0 | 2 |
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| 2965227245 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000001000000000 | 0 | 2 |
| 2965226887 | XX/XX/XXXX | 09/30/2019 | 36 | 110000000000000000000000000000000000 | 0 | 2 |
| 2965227353 | XX/XX/XXXX | 09/30/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 2965227441 | XX/XX/XXXX | 09/30/2019 | 36 | 001100000000000000000000000000000000 | 0 | 2 |
| 2965226937 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227259 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227218 | XX/XX/XXXX | 09/30/2019 | 36 | 110000000000000000000000000000000000 | 0 | 2 |
| 2965226866 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227392 | XX/XX/XXXX | 09/30/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 2965227786 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227506 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227239 | XX/XX/XXXX | 09/30/2019 | 36 | 000887654321101110003210000000000000 | 0 | 16 |
| 2965227769 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227720 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965226821 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000100000000000000001 | 0 | 3 |
| 2965226945 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227476 | XX/XX/XXXX | 09/30/2019 | 36 | 100100000000000000000000000000000000 | 0 | 2 |
| 2965227236 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000010000000000 | 0 | 2 |
| 2965227875 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000000 | 0 | 1 |
| 2965226871 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227148 | XX/XX/XXXX | 09/30/2019 | 36 | 100100000000000000000010000000000000 | 0 | 3 |
| 2965227789 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000001000000000000000000 | 0 | 2 |
| 2965227129 | XX/XX/XXXX | 09/30/2019 | 36 | 111100000000000000000000000000000000 | 0 | 4 |
| 2965227795 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227172 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227418 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227128 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965226877 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227365 | XX/XX/XXXX | 09/30/2019 | 36 | 111111111100000000000000000000000000 | 0 | 10 |
| 2965226992 | XX/XX/XXXX | 09/30/2019 | 36 | 110000000000000000000000000100000000 | 0 | 3 |
| 2965226802 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227116 | XX/XX/XXXX | 09/30/2019 | 36 | 111111111011011010010010000001000000 | 0 | 17 |
| 2965227775 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227065 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000001000000000000000000000 | 0 | 2 |
| 2965227186 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227843 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000000 | 0 | 1 |
| 2965227708 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965226796 | XX/XX/XXXX | 09/30/2019 | 36 | 100100000000000000000000000000000000 | 0 | 2 |
| 2965227835 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000000 | 0 | 1 |
| 2965227474 | XX/XX/XXXX | 09/30/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 2965227140 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227273 | XX/XX/XXXX | 09/30/2019 | 36 | 111000000000000000000000000000000001 | 0 | 4 |
| 2965227554 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227523 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227071 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227802 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227594 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227373 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227584 | XX/XX/XXXX | 09/30/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 2965226891 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965226853 | XX/XX/XXXX | 09/30/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 2965227223 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000100000000000000000 | 0 | 2 |
| 2965226975 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227764 | XX/XX/XXXX | 09/30/2019 | 36 | 100100000000000000000000000000000000 | 0 | 2 |
| 2965226976 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227169 | XX/XX/XXXX | 09/30/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 2965226980 | XX/XX/XXXX | 09/30/2019 | 36 | 011100000000000000000000000000000000 | 0 | 3 |
| 2965227573 | XX/XX/XXXX | 09/30/2019 | 36 | 110000000000000000000000000000000000 | 0 | 2 |
| 2965227876 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000000 | 0 | 1 |
| 2965227749 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227784 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227851 | XX/XX/XXXX | 09/30/2019 | 36 | 000003210000000000000000000000000000 | 0 | 3 |
| 2965226869 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227503 | XX/XX/XXXX | 09/30/2019 | 36 | 110100000000000000000000000000000000 | 0 | 3 |
| 2965227146 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227341 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227718 | XX/XX/XXXX | 09/30/2019 | 36 | 111000000000000000000000000000000000 | 0 | 3 |
| 2965227593 | XX/XX/XXXX | 09/30/2019 | 36 | 111000000000000000000000000000000000 | 0 | 3 |
| 2965227324 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227687 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000001000000 | 0 | 2 |
| 2965227681 | XX/XX/XXXX | 09/30/2019 | 36 | 011000000000000000100000000000000000 | 0 | 3 |
| 2965227510 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965226928 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000000 | 0 | 1 |
| 2965226934 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965226807 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000000 | 0 | 1 |
| 2965226957 | XX/XX/XXXX | 09/30/2019 | 36 | 100100000000000000000000000000000000 | 0 | 2 |
| 2965227276 | XX/XX/XXXX | 09/30/2019 | 36 | 111100000000000000000000000000000000 | 0 | 4 |
| 2965227383 | XX/XX/XXXX | 09/30/2019 | 36 | 100100000000000000000000000000000000 | 0 | 2 |
| 2965226969 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000001000000000 | 0 | 2 |
| 2965227100 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227079 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227068 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227375 | XX/XX/XXXX | 09/30/2019 | 36 | 011000000000000000000000000000000000 | 0 | 2 |
| 2965226870 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965226792 | XX/XX/XXXX | 09/30/2019 | 36 | 002100000000000000000000000000000000 | 0 | 2 |
| 2965227470 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227142 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227051 | XX/XX/XXXX | 09/30/2019 | 36 | 011000000000000000000000000000000000 | 0 | 2 |
| 2965226830 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965226932 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227113 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000000 | 0 | 1 |
| 2965227394 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965226929 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965226931 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000001 | 0 | 2 |
| 2965226955 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000011111110 | 0 | 8 |
| 2965227814 | XX/XX/XXXX | 09/30/2019 | 36 | 112112112222112211122211211111112212 | 0 | 36 |
| 2965227490 | XX/XX/XXXX | 09/30/2019 | 36 | 121004321000000000000000000000000000 | 0 | 7 |
| 2965227361 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227661 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000000 | 0 | 1 |
| 2965227201 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965227327 | XX/XX/XXXX | 09/30/2019 | 36 | 101000000000000000000010000000000000 | 0 | 3 |
| 2965227013 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965227026 | XX/XX/XXXX | 09/30/2019 | 36 | 101100000000000000000000000000000000 | 0 | 3 |
| 2965227293 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000000 | 0 | 1 |
| 2965227364 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227592 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000000000000000 | 0 | 1 |
| 2965226991 | XX/XX/XXXX | 09/30/2019 | 36 | 010000000000000000000000000000000000 | 0 | 1 |
| 2965227049 | XX/XX/XXXX | 09/30/2019 | 36 | 01000000000000000000000010XXXXXXXXXX | 10 | 2 |
| 2965226863 | XX/XX/XXXX | 09/30/2019 | 36 | 000000000001122222111111000000010000 | 0 | 14 |
| 2965226867 | XX/XX/XXXX | 09/30/2019 | 36 | 001000000000000000000000010000011001 | 0 | 5 |
| 2965226811 | XX/XX/XXXX | 09/30/2019 | 36 | 000100000000000000000000000000000000 | 0 | 1 |
| 2965227212 | XX/XX/XXXX | 09/30/2019 | 36 | 010100000000000000000000000000000000 | 0 | 2 |
| 2965227097 | XX/XX/XXXX | 09/30/2019 | 36 | 100000000000000000000000000000000000 | 0 | 1 |
| 2965226816 | XX/XX/XXXX | 09/30/2019 | 36 | 000000000010100000000011000000011000 | 0 | 6 |
| 2965227045 | XX/XX/XXXX | 09/30/2019 | 36 | 110000000000000000000000000000000000 | 0 | 2 |
| 2965227590 | XX/XX/XXXX | 09/30/2019 | 36 | 100110210121112111001100001000010110 | 0 | 20 |
| 2965227452 | XX/XX/XXXX | 09/30/2019 | 36 | 111100000000000000000000000000000000 | 0 | 4 |
| 2965227608 | XX/XX/XXXX | 09/30/2019 | 36 | 000999999987654322110000000000000000 | 0 | 17 |
| 2965227741 | XX/XX/XXXX | 09/30/2019 | 36 | 111000000000000000000000000000000110 | 0 | 5 |
| 2965227196 | XX/XX/XXXX | 09/30/2019 | 36 | 000000000000009999999987654321000XXX | 3 | 16 |
| 2965227858 | XX/XX/XXXX | 09/30/2019 | 36 | 003210000000000000001000000000000000 | 0 | 4 |
| 2965226813 | XX/XX/XXXX | 09/30/2019 | 36 | 000000XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | 30 | 0 |
| 2965226968 | XX/XX/XXXX | 09/30/2019 | 36 | 000999999999999999999999999987654332 | 0 | 33 |
| 2965227028 | XX/XX/XXXX | 09/30/2019 | 36 | 0000XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | 32 | 0 |
| 2965227004 | XX/XX/XXXX | 09/30/2019 | 36 | 00000XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | 31 | 0 |
| 2965226909 | XX/XX/XXXX | 09/30/2019 | 36 | 000002357654432432100000000000000000 | 0 | 14 |
| 2965227586 | XX/XX/XXXX | 09/30/2019 | 36 | 00000000XXXXXXXXXXXXXXXXXXXXXXXXXXXX | 28 | 0 |
| 2965226843 | XX/XX/XXXX | 09/30/2019 | 36 | 000000XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | 30 | 0 |
| 2965227651 | XX/XX/XXXX | 09/30/2019 | 36 | 000002333333211000001002101100100010 | 0 | 17 |
| 2965226840 | XX/XX/XXXX | 09/30/2019 | 36 | 0000XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | 32 | 0 |
| 2965227370 | XX/XX/XXXX | 09/30/2019 | 36 | 211103XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | 30 | 5 |
| 2965226849 | XX/XX/XXXX | 09/30/2019 | 36 | 000100121111210133221000000000000000 | 0 | 15 |
| 2965227243 | XX/XX/XXXX | 09/30/2019 | 36 | 000XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | 33 | 0 |
| 2965227419 | XX/XX/XXXX | 09/30/2019 | 36 | 000000XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | 30 | 0 |
| 2965226841 | XX/XX/XXXX | 09/30/2019 | 36 | 00XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | 34 | 0 |
| 2965227873 | XX/XX/XXXX | 09/30/2019 | 36 | 001000010000000000054543210000000010 | 0 | 10 |
| 2965227677 | XX/XX/XXXX | 09/30/2019 | 36 | 00010000000000000000000XXXXXXXXXXXXX | 13 | 1 |
| 2965227378 | XX/XX/XXXX | 09/30/2019 | 36 | 0000XXXXNNNNNNNNNNNNNNNNNNNNNNNNNNNN | 4 | 0 |

---

## Exhibit 99.1

**Exhibit 99.1 Schedule 6**

![](tm235201d1_ex991-6img001.jpg)

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **MORTGAGE SUMMARY** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **O&E REPORT REVIEW** | **LEGAL DESCRIPTION MATCH** | **LEGAL DESCRIPTION MATCH** | **LEGAL DESCRIPTION MATCH** | **TITLE POLICY REVIEW** | **TITLE POLICY REVIEW** |  |
| **GF Loan ID** | **Unique Loan ID** | **Seller Loan ID** | **First Name** | **Last Name** | **Address** | **City** | **State** | **Zip** | **Loan Amount** | **Originator** | **Note Date** | **Subject Mortgage Executed Date** | **Subject Mortgage Recorded Date** | **Total Delinquent Tax Payoff Amount/Review** | **Borrower in Title Yes/No** | **Mortgage/Deed Vesting Match?** | **Purchase/Refinance** | **Subject Mortgage on O&E Report** | **Comments-Subject Mortgage** | **Senior Mortgage/Lien on O&E Yes/No** | **Comments-Senior Mortgages/Liens** | **Executed Date** | **Recorded Date** | **Senior Mortgage/Lien Paid On HUD** | **Junior Mortgage Lien on O&E Yes/No** | **Comments-Property Tax Liens** | **Comments-HOA Liens** | **Executed Date** | **Recorded Date** | **Comments-Utility Liens** | **Executed Date** | **Recorded Date** | **Comments-Other Liens** | **Executed Date** | **Recorded Date** | **Lis Pendens on O&E** | **Comments-Lis Pendens** | **Lis Pendens Plaintiff** | **Recorded Date** | **Mortgage/DOT** | **Title Policy** | **O&E Latest Deed** | **Exceptions on Schedule B of Final or Prelim Title** | **Title Policy is Final/Prelim** | **COMMENTS** |
| XXXX | 2965227264 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing |  |
| XXXX | 2965227264 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227006 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965227714 | XXXX | XXXX | XXXX | XXXX | XXXX | MS | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing |  |
| XXXX | 2965227406 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227698 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing |  |
| XXXX | 2965227538 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | No | No | Short Form |  |
| XXXX | 2965227477 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227477 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227613 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | Yes | Final-Long | XXXX |
| XXXX | 2965227613 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227613 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227613 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227613 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227613 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227612 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227531 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227531 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227531 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227434 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227434 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227434 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227568 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227730 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227125 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227125 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227533 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227533 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | Yes |  | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227842 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227101 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227300 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Commitment |  |
| XXXX | 2965227448 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227448 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226900 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226854 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227025 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227173 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227173 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227496 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226984 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226860 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226860 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226860 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226860 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226860 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226860 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226860 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226860 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226860 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227836 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227744 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227321 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227166 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226921 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226921 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226921 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226921 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227695 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227695 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227667 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227667 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227483 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227483 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226842 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227739 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227400 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227400 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227400 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227400 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226859 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227723 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227628 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227628 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227628 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227628 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227628 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227628 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227628 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227628 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227233 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226965 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227111 | XXXX | XXXX | XXXX | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227591 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227591 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227591 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226822 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227331 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227331 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227771 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227771 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227771 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227108 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227108 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227108 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227108 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226790 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227495 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227183 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227183 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227183 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227183 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227183 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227183 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227760 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227432 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227831 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227792 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227717 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227717 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227717 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227717 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227717 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227202 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227342 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227342 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227342 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227342 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226953 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227752 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226894 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227256 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227256 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227782 | XXXX | XXXX | XXXX | XXXX | XXXX | DC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226982 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227857 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227686 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227147 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965226800 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226800 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227371 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227371 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227096 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227623 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227623 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227623 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227623 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227623 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227623 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227623 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227623 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227623 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227623 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227822 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227423 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227067 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227029 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227029 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227356 | XXXX | XXXX | XXXX | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226981 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227288 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227288 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227288 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227585 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | Yes | Final-Long |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226997 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227319 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227582 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227251 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227251 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227251 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227251 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226835 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226943 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226799 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226799 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226794 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227767 | XXXX | XXXX | XXXX | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227359 | XXXX | XXXX | XXXX | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227649 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227175 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227349 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227080 | XXXX | XXXX | XXXX | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227080 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227080 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227080 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227080 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227393 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227393 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227393 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227002 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227572 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227611 | XXXX | XXXX | XXXX | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227805 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227565 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227265 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227076 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227307 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226837 | XXXX | XXXX | XXXX | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226837 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227746 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227731 | XXXX | XXXX | XXXX | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | No | Yes | No | Final-Long | XXXX |
| XXXX | 2965227675 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227675 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227267 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227439 | XXXX | XXXX | XXXX | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227182 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227182 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226878 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227347 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227347 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227347 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227347 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227347 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227285 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment |  |
| XXXX | 2965227285 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226815 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226815 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226815 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227282 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227756 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227254 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227754 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965226858 | XXXX | XXXX | XXXX | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment |  |
| XXXX | 2965226858 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227003 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment |  |
| XXXX | 2965227003 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227164 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing |  |
| XXXX | 2965227774 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment |  |
| XXXX | 2965227088 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227543 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227110 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227672 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227284 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227600 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227241 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227502 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227502 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227502 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227502 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227815 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227815 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227815 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226946 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227616 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227616 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227616 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227616 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227616 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227616 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227616 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227616 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227616 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227616 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227398 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227372 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227372 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227372 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227372 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227372 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227372 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227372 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227372 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227262 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227391 | XXXX | XXXX | XXXX | XXXX | XXXX | NM | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226872 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226872 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965226872 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226977 | XXXX | XXXX | XXXX | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227412 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227790 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227790 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227790 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226901 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226963 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226963 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226963 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226963 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226963 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226963 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227141 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227530 | XXXX | XXXX | XXXX | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227596 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227587 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227587 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227587 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227587 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227587 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227120 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227859 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227859 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227511 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227511 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227461 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227102 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227796 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227247 | XXXX | XXXX | XXXX | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227747 | XXXX | XXXX | XXXX | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227287 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227286 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227811 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227271 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227216 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227778 | XXXX | XXXX | XXXX | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes |  | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227800 | XXXX | XXXX | XXXX | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227403 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965227403 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227191 | XXXX | XXXX | XXXX | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227031 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226906 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226906 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227742 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1394.89 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227054 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1186.50 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227200 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $359.64 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227176 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $651.11 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226828 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $169.21 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226836 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2944.48 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227280 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX |  |  |  |  |  | $4278.85 | Yes |  |  | No |  | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  | XXXX |
| XXXX | 2965227193 | XXXX | XXXX | XXXX | XXXX | XXXX | NM | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2419.66 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227119 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2636.05 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227781 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2561.07 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227446 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1107.87 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227446 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227446 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227866 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $623.88 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227258 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2014.73 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227512 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3311.37 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227263 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2070.39 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227263 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227263 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227263 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227263 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227263 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227263 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227263 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227263 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226926 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2048.01 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227018 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $739.22 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227765 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1049.92 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227765 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227366 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2707.26 | No |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227751 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2859.59 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227751 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227751 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227751 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227751 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227862 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $469.87 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226823 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2969.49 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226823 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227689 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $972.51 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227689 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226847 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3835.66 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226847 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226847 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226956 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2235.57 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226956 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227312 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1654.34 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227312 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227312 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227312 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227874 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1119.77 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227874 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227180 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1127.92 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227180 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3187.61 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227803 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227766 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3226.13 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227855 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $35848.14 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226864 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1843.06 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226864 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226864 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226864 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227558 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2267.69 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227268 | XXXX | XXXX | XXXX | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $178.60 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226879 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $510.40 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  | XXXX |
| XXXX | 2965227027 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1018.49 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227693 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227038 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $645.59 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227518 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $957.47 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226805 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $136.59 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226805 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227082 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1718.74 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227700 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1230.94 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227700 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227053 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4191.94 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227878 | XXXX | XXXX | XXXX | XXXX | XXXX | DC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3413.56 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227527 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $7840.57 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227046 | XXXX | XXXX | XXXX | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $901.98 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227345 | XXXX | XXXX | XXXX | XXXX | XXXX | MS | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $741.30 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227641 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $285.20 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227580 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2388.91 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227804 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1730.72 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227516 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2107.88 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227516 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227710 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2707.23 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227809 | XXXX | XXXX | XXXX | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $16386.84 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227639 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $650.20 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227318 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1430.08 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227442 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2309.29 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227442 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227442 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227442 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227442 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227442 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227777 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $143.72 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227557 | XXXX | XXXX | XXXX | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1851.26 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227123 | XXXX | XXXX | XXXX | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3352.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227498 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $727.56 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227799 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2114.26 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227799 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227799 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227237 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5999.10 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227605 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2797.63 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227569 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3176.74 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227753 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6211.08 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Missing | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227447 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3275.51 | No |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227447 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227683 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5655.30 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227170 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4700.78 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227294 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1082.70 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227012 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4727.58 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227274 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1549.97 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226933 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $7908.74 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227107 | XXXX | XXXX | XXXX | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4010.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227736 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2005.67 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226797 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $334.54 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226814 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $750.23 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226873 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1084.46 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226949 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5106.19 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227798 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $628.14 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226856 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1738.54 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226856 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226898 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $934.67 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226920 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2853.26 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226920 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226920 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227577 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $891.73 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227563 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3038.29 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227563 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226827 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $346.78 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227132 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $199.78 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226970 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3874.81 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226838 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $143.48 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227016 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $655.84 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226885 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $352.12 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227024 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $69.12 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227336 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2271.96 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227646 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2495.12 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226834 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $118.66 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226974 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $809.88 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227060 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $696.68 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227010 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $165.91 | No |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227662 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $800.50 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227360 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $984.85 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227669 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2287.44 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227229 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1299.77 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227210 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $696.73 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227070 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $43.52 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227070 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227711 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1649.25 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227830 | XXXX | XXXX | XXXX | XXXX | XXXX | DC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2796.86 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226848 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $680.81 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226806 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $921.17 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226806 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227066 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $843.24 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226862 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1742.73 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226809 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $696.05 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227401 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3214.28 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227309 | XXXX | XXXX | XXXX | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $615.02 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227387 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6997.98 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226897 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5212.38 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226897 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226897 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226818 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4882.69 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226818 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227326 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $9168.44 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226936 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2601.11 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227727 | XXXX | XXXX | XXXX | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2641.67 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227559 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $19067.22 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227559 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227559 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227559 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227047 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $285.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227023 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $933.17 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226896 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $263.21 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227517 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1093.38 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227583 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $902.56 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226941 | XXXX | XXXX | XXXX | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1651.85 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227205 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4433.43 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227192 | XXXX | XXXX | XXXX | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1889.90 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Missing | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | Missing | Missing |  |
| XXXX | 2965227627 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $227.17 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227104 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1677.22 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227425 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2547.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227827 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2076.36 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227272 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1476.52 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227652 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1200.96 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227450 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3988.14 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227820 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2008.57 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226995 | XXXX | XXXX | XXXX | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $977.56 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226895 | XXXX | XXXX | XXXX | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1157.39 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227039 | XXXX | XXXX | XXXX | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $717.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227208 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2561.84 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227555 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2954.51 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227868 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1094.86 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227868 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227868 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227868 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226798 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $965.22 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227411 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $10039.66 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227872 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1160.11 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227550 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $826.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227550 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227428 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1861.40 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227382 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $32112.75 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227118 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $334.52 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227137 | XXXX | XXXX | XXXX | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $428.90 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227713 | XXXX | XXXX | XXXX | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $313.62 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes |  |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227713 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227015 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1943.04 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227015 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227015 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227015 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226889 | XXXX | XXXX | XXXX | XXXX | XXXX | NM | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2716.72 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227386 | XXXX | XXXX | XXXX | XXXX | XXXX | NM | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $273.60 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227847 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  | XXXX |
| XXXX | 2965227240 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1071.63 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227240 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227564 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2057.78 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227564 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227033 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4870.99 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227344 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $769.64 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227344 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227344 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226880 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2682.90 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227507 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1958.67 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227706 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1341.44 | No |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227431 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3327.58 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227390 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $8740.21 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227092 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226907 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $18832.44 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227019 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $267.88 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227758 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1967.94 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227567 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4482.63 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226922 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227719 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5014.30 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227719 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227719 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227719 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227167 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $793.92 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227679 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $293.08 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227537 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1585.12 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227537 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227867 | XXXX | XXXX | XXXX | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227867 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227867 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227228 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5329.22 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227856 | XXXX | XXXX | XXXX | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1460.97 | No |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226940 | XXXX | XXXX | XXXX | XXXX | XXXX | ME | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $840.71 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227728 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $985.57 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227696 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $791.04 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227850 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5959.54 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227388 | XXXX | XXXX | XXXX | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1382.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227722 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2242.77 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | Missing | Missing |  |
| XXXX | 2965227826 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1504.36 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227860 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227396 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227440 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227472 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227472 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227472 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227472 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227350 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226989 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226989 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226989 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226989 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226989 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226989 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227653 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227385 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227385 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227131 | XXXX | XXXX | XXXX | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227509 | XXXX | XXXX | XXXX | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226918 | XXXX | XXXX | XXXX | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227763 | XXXX | XXXX | XXXX | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226987 | XXXX | XXXX | XXXX | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227052 | XXXX | XXXX | XXXX | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227635 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227374 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227604 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227438 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227261 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226868 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227699 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227699 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227465 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227465 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227465 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227465 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227465 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226846 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226846 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227257 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227610 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227853 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227043 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227738 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227270 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227690 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227165 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Missing | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227560 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965227532 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227485 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226994 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227317 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227317 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227317 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227305 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227839 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227206 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227061 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227008 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227634 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227634 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227634 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227634 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226883 | XXXX |  |  | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227658 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227658 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227841 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226803 | XXXX |  |  | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227436 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227436 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965226874 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227632 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | No | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227726 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227824 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227462 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227462 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227864 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Missing | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965227864 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227864 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227145 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227343 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227343 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227343 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227343 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227501 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227501 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226801 | XXXX |  |  | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227211 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227779 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | No | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227576 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227292 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227292 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227292 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227292 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227292 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227292 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227292 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227292 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227292 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227292 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227724 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227606 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227606 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227606 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227606 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227606 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227647 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227647 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227877 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965227225 | XXXX |  |  | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Missing | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227225 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Missing |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227358 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227358 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227358 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227358 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227358 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227007 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227007 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227626 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227626 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227734 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Construction-Permanent | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227685 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227685 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227685 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227685 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227685 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227818 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965227310 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227762 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227504 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227668 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227668 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227668 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227617 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227384 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965227075 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227050 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965227399 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227399 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227399 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227729 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227845 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227845 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227845 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227845 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227426 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227871 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227871 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227871 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227871 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227871 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227869 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227429 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227429 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227829 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227829 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227829 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227278 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227548 | XXXX | XXXX | XXXX | XXXX | XXXX | DE | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227548 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227464 | XXXX | XXXX | XXXX | XXXX | XXXX | DC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227705 | XXXX | XXXX | XXXX | XXXX | XXXX | DC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227335 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227226 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227226 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227445 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227445 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227445 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227445 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227445 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227445 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227445 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227674 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227674 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227674 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227666 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227486 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227486 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227486 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227486 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227486 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227381 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227417 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227417 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227417 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227417 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227417 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227417 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227154 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227154 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227821 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227357 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227357 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227357 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227357 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227357 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227499 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227709 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227709 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227709 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227709 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227709 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227776 | XXXX |  |  | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227776 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227776 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227660 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227654 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227654 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227654 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227654 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227640 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227640 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227640 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227640 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227630 | XXXX |  |  | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227630 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227630 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227630 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227479 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227846 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227535 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965227535 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227535 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227535 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227535 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227619 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227410 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227410 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227410 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227410 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227410 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227410 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227581 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227581 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227844 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965227546 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227296 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226817 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227597 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227290 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227692 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227488 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | Missing | Missing |  |
| XXXX | 2965227832 | XXXX | XXXX | XXXX | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Missing | Yes | Missing | Missing |  |
| XXXX | 2965227291 | XXXX | XXXX | XXXX | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227291 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227291 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227291 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227291 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227151 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226973 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227011 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226845 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226845 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227329 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227266 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965227525 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226865 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226791 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226791 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226791 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227801 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226988 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227044 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227044 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227044 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227044 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227837 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227152 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227152 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227152 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227152 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226850 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226850 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226850 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226850 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226850 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226850 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226850 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226850 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226850 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226888 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Missing | Yes | Missing | Missing |  |
| XXXX | 2965226888 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965226998 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226998 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227757 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227757 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227757 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226795 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226972 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226886 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227298 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227112 | XXXX |  |  | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227112 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227112 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227112 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227112 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227112 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226884 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226884 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226884 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226919 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226919 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226919 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226919 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226919 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226919 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226919 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227081 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227077 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226983 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227377 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965226950 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226893 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227199 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227691 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227337 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965226952 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226964 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226844 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227430 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965226903 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226986 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227037 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227823 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226993 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226882 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965226882 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227629 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226857 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226857 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226857 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227299 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965226908 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment |  |
| XXXX | 2965226908 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226948 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227073 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227073 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965226978 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227157 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227157 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227157 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226793 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227230 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226899 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965226944 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226944 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226944 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226944 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226958 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226916 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226939 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227009 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226808 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227153 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227153 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227817 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227817 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227817 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227817 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226812 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226831 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226876 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965226876 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226876 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226876 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226876 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227005 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227005 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227030 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226829 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226829 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226959 | XXXX | XXXX | XXXX | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965226959 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226959 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226959 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226959 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226959 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227570 | XXXX | XXXX | XXXX | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227631 | XXXX | XXXX | XXXX | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227819 | XXXX | XXXX | XXXX | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227615 | XXXX | XXXX | XXXX | XXXX | XXXX | AL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227020 | XXXX | XXXX | XXXX | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227870 | XXXX | XXXX | XXXX | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227220 | XXXX | XXXX | XXXX | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227220 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227220 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227048 | XXXX | XXXX | XXXX | XXXX | XXXX | MS | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227519 | XXXX | XXXX | XXXX | XXXX | XXXX | MS | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227505 | XXXX | XXXX | XXXX | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227733 | XXXX | XXXX | XXXX | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965226942 | XXXX | XXXX | XXXX | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227277 | XXXX | XXXX | XXXX | XXXX | XXXX | KY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227277 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227155 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227155 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227155 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227155 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226820 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227195 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Missing | Yes | Missing | Missing |  |
| XXXX | 2965227497 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226839 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965226839 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227209 | XXXX | XXXX | XXXX | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227755 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227755 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227135 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227139 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227466 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227466 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227466 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227466 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227187 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment |  |
| XXXX | 2965227235 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227235 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226951 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Missing | Yes | Missing | Missing |  |
| XXXX | 2965227865 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227314 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227362 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227283 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227493 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227702 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227130 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Review | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Commitment |  |
| XXXX | 2965227849 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227185 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227614 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227704 | XXXX | XXXX | XXXX | XXXX | XXXX | IA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227599 | XXXX | XXXX | XXXX | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227198 | XXXX | XXXX | XXXX | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227402 | XXXX | XXXX | XXXX | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965227579 | XXXX | XXXX | XXXX | XXXX | XXXX | WI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227549 | XXXX | XXXX | XXXX | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227549 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227549 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227659 | XXXX | XXXX | XXXX | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing |  |
| XXXX | 2965227529 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227622 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227622 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227552 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227772 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227772 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227463 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Missing | Yes | No | Commitment |  |
| XXXX | 2965227333 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227333 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227322 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Commitment |  |
| XXXX | 2965227322 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227322 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227671 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227534 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227380 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227213 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227783 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227707 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Missing | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227707 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227863 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227806 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965227806 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227794 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227793 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227424 | XXXX |  |  | XXXX | XXXX | KS | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227642 | XXXX | XXXX | XXXX | XXXX | XXXX | NE | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227694 | XXXX | XXXX | XXXX | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227624 | XXXX | XXXX | XXXX | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227624 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227624 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227489 | XXXX | XXXX | XXXX | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965227489 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227489 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227489 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227489 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227575 | XXXX | XXXX | XXXX | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227571 | XXXX | XXXX | XXXX | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227655 | XXXX | XXXX | XXXX | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227684 | XXXX | XXXX | XXXX | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227168 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227022 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227022 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227001 | XXXX |  |  | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227194 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226923 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226881 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227058 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Missing | Yes | Missing | Missing |  |
| XXXX | 2965226971 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227090 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227231 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227682 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227682 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227407 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227475 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227475 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227330 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227260 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227750 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227494 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227494 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227770 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226915 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227177 | XXXX | XXXX | XXXX | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227103 | XXXX | XXXX | XXXX | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227091 | XXXX | XXXX | XXXX | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226947 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226861 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226966 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227021 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226875 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226890 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226890 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226826 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227203 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227638 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227556 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227252 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227678 | XXXX | XXXX | XXXX | XXXX | XXXX | NM | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227085 | XXXX | XXXX | XXXX | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227085 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227085 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227085 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227085 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227085 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227085 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227138 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227289 | XXXX | XXXX | XXXX | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227657 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227540 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227633 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227460 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227460 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227521 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227574 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227561 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227541 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227761 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227578 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227458 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227458 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227500 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227522 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227222 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227222 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227248 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227648 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227648 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227648 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227648 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227648 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227721 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227716 | XXXX |  |  | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227716 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227716 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227716 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227716 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227697 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227735 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227355 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227355 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227320 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227320 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227320 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227320 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227320 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227515 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227808 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227444 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227325 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227325 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227325 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227325 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227325 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227325 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227325 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227250 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227807 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227807 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227807 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227032 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227664 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227099 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227181 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227224 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227179 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227179 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226930 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226911 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226935 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965226935 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227041 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227238 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227219 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227063 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227306 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227105 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227000 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227036 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227036 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227084 | XXXX |  |  | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227084 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227084 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227725 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227725 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227334 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227295 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227542 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227459 | XXXX |  |  | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227459 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227468 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227035 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227457 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227645 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227204 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227338 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227621 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227621 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227621 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227621 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227621 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227492 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227178 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227144 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227144 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227513 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227508 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227351 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227184 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227514 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227455 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227455 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227098 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227524 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227524 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227524 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227524 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227745 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227745 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227745 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227745 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227745 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227745 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227539 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227539 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227539 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227539 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227828 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227174 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227816 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227480 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227838 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227838 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227838 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227838 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227159 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226979 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227281 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | No | No | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227281 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227281 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227281 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227117 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227117 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227117 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227117 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227117 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227117 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227117 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227368 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227368 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227217 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227078 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227551 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227551 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227551 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227797 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227663 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227663 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227663 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227663 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227663 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227743 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227528 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227528 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227650 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227813 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227854 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227246 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227246 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227487 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227136 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227313 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227313 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227017 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227017 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227017 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227017 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227017 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227017 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227017 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227316 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227315 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227315 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227703 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227703 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227703 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227703 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227703 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227416 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227416 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227214 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227607 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227348 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227158 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227158 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227158 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227158 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227484 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227589 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227589 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227791 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form | XXXX |
| XXXX | 2965227297 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965227810 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227469 | XXXX | XXXX | XXXX | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227737 | XXXX | XXXX | XXXX | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227588 | XXXX | XXXX | XXXX | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227588 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227478 | XXXX | XXXX | XXXX | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Commitment | XXXX |
| XXXX | 2965227478 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227478 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227478 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227478 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227478 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227478 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227478 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227478 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227478 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227478 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227163 | XXXX |  |  | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227833 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227114 | XXXX |  |  | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227701 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Missing | Yes | Missing | Missing | XXXX |
| XXXX | 2965227676 | XXXX |  |  | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Refinance | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227413 | XXXX |  |  | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965227413 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227473 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | No | Refinance | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long | XXXX |
| XXXX | 2965226892 | XXXX |  |  | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes | Yes | Purchase | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227057 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $576.83 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227618 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $28019.26 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227122 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6073.05 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227056 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6174.36 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227673 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $8882.87 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2629.32 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226996 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227625 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3322.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227232 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4372.70 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227232 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227232 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227456 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1168.73 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227427 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3202.42 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227109 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $10617.92 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227409 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2184.53 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227471 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $9287.06 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227089 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3732.33 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227415 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1895.89 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227094 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1001.81 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227094 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227127 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $17199.64 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227547 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1210.73 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227547 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227547 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226985 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5883.95 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226985 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226852 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3492.68 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226852 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226852 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227190 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6332.39 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227221 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2345.74 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227150 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3466.83 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226961 | XXXX | XXXX | XXXX | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3600.38 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226961 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227453 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $156.94 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227453 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227453 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227453 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227124 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $951.72 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226938 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3810.87 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227339 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5150.26 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227665 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2305.81 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227665 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227665 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227665 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227665 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227055 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1698.24 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227055 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227055 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227451 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5353.52 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227712 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $12754.66 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227421 | XXXX | XXXX | XXXX | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3001.68 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227421 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227421 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226855 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2233.15 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227301 | XXXX | XXXX | XXXX | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1302.06 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227301 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227363 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3686.96 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227482 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227093 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2175.55 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227093 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227093 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227093 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227093 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227354 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3555.91 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227133 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1252.58 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227126 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3063.31 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226804 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5543.87 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227414 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $68.25 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227275 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1513.12 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227595 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $15411.26 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227095 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1908.41 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227545 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3508.72 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227602 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1974.32 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226999 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1402.48 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227759 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1760.82 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227840 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6844.84 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227840 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227379 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3991.48 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227379 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227379 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227304 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2783.26 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227740 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1540.62 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227042 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5367.36 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227787 | XXXX | XXXX | XXXX | XXXX | XXXX | MN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2656.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226902 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1069.15 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226902 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227161 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2646.18 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227491 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $258.39 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227197 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3252.97 | No |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227773 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5749.77 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227367 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $613.35 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227732 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1386.86 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227059 | XXXX | XXXX | XXXX | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3367.07 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227269 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1520.74 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227526 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2097.64 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227566 | XXXX | XXXX | XXXX | XXXX | XXXX | LA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $388.76 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227340 | XXXX | XXXX | XXXX | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4277.50 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227603 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $22383.54 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227255 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1118.73 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227255 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227848 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227408 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2464.19 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227227 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1764.68 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227644 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2360.64 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227311 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2211.08 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227188 | XXXX | XXXX | XXXX | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2526.65 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227397 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5548.47 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227134 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $16500.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227149 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $705.20 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227149 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3299.68 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227449 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227143 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3539.80 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226913 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1990.86 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227834 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $123.36 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227834 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227834 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227715 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5493.34 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227715 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227715 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227715 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227279 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2220.78 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227215 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3955.70 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227389 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $524.88 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226917 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6272.80 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226914 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $407.37 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226914 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227688 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4248.64 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227454 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4743.81 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227395 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3558.67 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227395 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227395 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227395 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227395 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227395 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227395 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227395 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227395 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227643 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $604.39 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227643 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227643 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226819 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3890.09 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227087 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1969.63 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227087 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227083 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $11789.95 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227562 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1292.30 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227680 | XXXX | XXXX | XXXX | XXXX | XXXX | IN | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2799.80 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227680 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227680 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227598 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $9849.91 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227405 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227323 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2106.12 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226824 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $649.63 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227481 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1887.89 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227601 | XXXX | XXXX | XXXX | XXXX | XXXX | IA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $9472.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227656 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4893.12 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227062 | XXXX | XXXX | XXXX | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $452.98 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226962 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4130.32 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226832 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1827.03 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227422 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1535.04 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226990 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $856.30 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227069 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3700.03 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226925 | XXXX | XXXX | XXXX | XXXX | XXXX | NM | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1515.26 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227785 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2362.96 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227544 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2660.79 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227074 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1388.82 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227249 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $642.26 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226910 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2444.02 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227609 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2176.55 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227352 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3581.04 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227376 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3335.51 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226904 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $886.83 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227064 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $7531.66 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227812 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $248.68 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227308 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1312.76 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | Missing | Missing |  |
| XXXX | 2965227303 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1513.76 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227303 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227303 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227303 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227303 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226927 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1982.87 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227433 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4784.57 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227433 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227433 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227171 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $799.77 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227825 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2311.82 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227328 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2428.61 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227245 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3203.90 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227162 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3545.92 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227162 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226887 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1960.91 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226937 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1999.46 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227441 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3392.29 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227218 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $599.74 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226866 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $120.72 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227392 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5230.44 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227239 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $494.30 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227769 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3718.66 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227720 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $226.45 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226821 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $389.64 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227476 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1526.99 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226945 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $558.51 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227875 | XXXX | XXXX | XXXX | XXXX | XXXX | NM | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1125.08 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227129 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1385.67 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227148 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1624.51 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227418 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $488.57 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227795 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1024.69 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226877 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1341.14 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227128 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1237.19 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227365 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1642.97 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227365 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227365 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227365 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227365 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226992 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $960.18 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227116 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $10241.22 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  | XXXX |
| XXXX | 2965227116 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227775 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $417.53 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227065 | XXXX | XXXX | XXXX | XXXX | XXXX | ME | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $166397.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227186 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1248.11 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227843 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1960.02 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227708 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $254.76 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227273 | XXXX | XXXX | XXXX | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $912.13 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226796 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $415.09 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226796 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226796 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226796 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226796 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226796 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227835 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1331.35 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227474 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $245.37 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227140 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $450.12 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227140 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227140 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227554 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1385.95 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227071 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $13.38 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226891 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $323.38 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227373 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $63.40 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226853 | XXXX | XXXX | XXXX | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $130.63 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227223 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1467.68 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226976 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2751.80 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227764 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226980 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1617.08 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227573 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1072.38 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227876 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $99.09 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Short Form |  |
| XXXX | 2965227876 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227784 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1355.69 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226869 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $476.38 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227851 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $452.07 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227146 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4868.81 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227503 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $948.79 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227718 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $410.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227593 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1427.49 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227324 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $858.94 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227681 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1052.82 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227681 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226928 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $316.65 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226934 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6381.08 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226807 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $332.24 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226957 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $879.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227383 | XXXX | XXXX | XXXX | XXXX | XXXX | OK | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $642.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227383 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227276 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $8978.66 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227100 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4320.23 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227079 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1947.34 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227375 | XXXX | XXXX | XXXX | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2318.60 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226792 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $423.56 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227142 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6658.95 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227470 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1510.22 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227051 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1172.89 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226830 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5468.10 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226830 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226932 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1359.54 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227113 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $359.38 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226931 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4659.34 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226929 | XXXX | XXXX | XXXX | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1345.24 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226955 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1746.05 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227490 | XXXX | XXXX | XXXX | XXXX | XXXX | DC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $337.33 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227814 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $514.96 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227814 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227361 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2451.41 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227661 | XXXX | XXXX | XXXX | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3457.54 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227327 | XXXX | XXXX | XXXX | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $436.69 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227013 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $506.64 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227026 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2332.93 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227364 | XXXX | XXXX | XXXX | XXXX | XXXX | WV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $527.94 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227293 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $954.28 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227592 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4878.72 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226991 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1398.99 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227049 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $581.57 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226863 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $674.17 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226867 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1590.85 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226811 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $198.21 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226811 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226816 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3302.60 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226816 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227212 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $161.83 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227212 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227045 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $513.05 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227590 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2146.00 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227590 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227608 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1887.82 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227452 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $8413.61 | No |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227741 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2441.20 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226813 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2003.38 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226968 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2780.68 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227028 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2431.18 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227004 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2192.58 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226909 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1691.50 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226840 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $952.31 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227651 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1067.11 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226843 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3567.52 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227586 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1065.95 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227370 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5063.22 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226849 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1537.68 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227243 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1688.95 | No |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227670 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1003.43 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227419 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1325.13 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226841 | XXXX | XXXX | XXXX | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1760.85 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227677 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $0.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227378 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $471.08 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227768 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3854.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227520 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $7458.06 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $409.24 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227121 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227302 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1614.30 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227234 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1783.30 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226912 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3748.55 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227780 | XXXX | XXXX | XXXX | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2877.70 | No |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227437 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4384.84 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227437 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965227369 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3544.66 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227189 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5631.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227636 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3470.38 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227435 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2792.66 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227435 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227852 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $499.46 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227852 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227115 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5001.64 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227332 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $775.23 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227637 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2471.14 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4839.01 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | Yes | XXXX | XXXX | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227086 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227156 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5004.58 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227404 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4116.51 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226810 | XXXX | XXXX | XXXX | XXXX | XXXX | VT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6760.05 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227106 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2224.76 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226954 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2698.05 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226954 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226954 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226954 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226851 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5950.83 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226960 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $940.11 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | Yes | XXXX |  | XX/XX/XXXX | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226960 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XX/XX/XXXX |  |  |  |  |  |  |
| XXXX | 2965226905 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $633.83 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5431.19 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227553 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227253 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2792.12 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227160 | XXXX | XXXX | XXXX | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1729.99 | No |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227160 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227207 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2476.32 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227620 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1131.73 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227467 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $466.28 | No |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227467 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227748 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $546.28 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227536 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5732.62 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227788 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $736.36 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227788 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227788 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227788 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227788 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227346 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4581.81 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX | No | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No | Final-Long |  |
| XXXX | 2965227244 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5424.90 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226924 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $9719.78 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227861 | XXXX | XXXX | XXXX | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $310.48 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227420 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1296.37 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226833 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $6426.54 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227242 | XXXX | XXXX | XXXX | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $490.12 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227034 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3617.19 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227014 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $289.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227072 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $4826.62 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227072 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965226967 | XXXX | XXXX | XXXX | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $383.63 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227443 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1720.92 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227040 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $5290.48 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226825 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1540.81 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227353 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1600.84 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227259 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2302.47 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227506 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $570.56 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227236 | XXXX | XXXX | XXXX | XXXX | XXXX | CT | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3615.60 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227786 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $938.43 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226871 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $405.21 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226871 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227789 | XXXX | XXXX | XXXX | XXXX | XXXX | DC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $519.20 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227172 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2807.98 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226802 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $996.26 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227802 | XXXX | XXXX | XXXX | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $512.22 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227523 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1006.73 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227594 | XXXX | XXXX | XXXX | XXXX | XXXX | KS | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1302.06 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227584 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3076.51 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227169 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1796.60 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226975 | XXXX | XXXX | XXXX | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $703.17 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227749 | XXXX | XXXX | XXXX | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $423.50 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227687 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $756.04 | No |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227341 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $7694.74 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227510 | XXXX | XXXX | XXXX | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3455.51 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226969 | XXXX | XXXX | XXXX | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1763.00 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226969 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227068 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $2740.08 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965226870 | XXXX | XXXX | XXXX | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $298.98 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227394 | XXXX | XXXX | XXXX | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3372.50 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227201 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $3414.70 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227097 | XXXX | XXXX | XXXX | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $828.00 | Yes |  |  | Yes | XXXX | Yes | XXXX | XX/XX/XXXX | XX/XX/XXXX |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227097 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227097 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227097 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227097 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227097 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227097 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227097 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227097 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |
| XXXX | 2965227858 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $495.92 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227196 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $1390.04 | Yes |  |  | Yes | XXXX | No |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227873 | XXXX | XXXX | XXXX | XXXX | XXXX | MO | XXXX | XXXX | XXXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | $367.85 | Yes |  |  | Yes | XXXX | No |  |  |  |  | Yes |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX | No |  |  |  | Yes | Yes | Yes | No |  |  |
| XXXX | 2965227873 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 1**

![](tm235201d1_ex992-1img001.jpg)

**Item #4 Form ABS Due Diligence 15E**

**Item #5 Form ABS Due Diligence 15E**

To Whom It May Concern:

Mortgage Connect, LP ("Mortgage Connect") was engaged by Great Ajax Operating Partnership L.P as diligence agent to provide title reports for a population of 1089 mortgage loans. Mortgage Connect, in order to provide said reports, completed a detailed land records search on each asset to obtain all of the following information as it pertains to the ownership & encumbrance of each residential asset pledged as security:

&nbsp;&nbsp;&nbsp;&nbsp;· Property Tax Information

&nbsp;&nbsp;&nbsp;&nbsp;· Recorded Municipal Lien Information

&nbsp;&nbsp;&nbsp;&nbsp;· Recorded HOA Lien Information

Provided with each title report was a summary of all aforementioned information, recorded copies of all pertinent documents, and an Excel data file with all property report data output information.

The assets reviewed in this population of 1089 mortgage loans were all residential single-family & multi-family homes.

Mortgage Connect completed a review of the 1089 title reports to identify potential HOA liens and Municipal Liens that may exists affecting each mortgage loan's first lien status. With respect to these 1089 mortgage loans:

&nbsp;&nbsp;&nbsp;&nbsp;1. As set forth in the title reports, the subject mortgage is recorded
in the appropriate recording jurisdiction.

&nbsp;&nbsp;&nbsp;&nbsp;2. As set forth in the title search reports, the subject mortgage
is in 1st lien position, with the exception of:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 24 mortgage loans with a potentially superior, HOA lien. The total amount of such potentially superior HOA lien is $147,207.60.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. 75 mortgage loans with a potentially superior, Municipal lien. The total amount of such potentially superior lien/judgment is $314,461.36.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. 89 mortgage loans with a potentially superior delinquent tax amount. The total amount of such potentially superior delinquent taxes
is $124,918.73.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. 9 mortgage loans with tax information that is unavailable due to jurisdiction restrictions.

Thank You,

Mortgage Connect, LP

Mortgage Connect \| 260 Airside Dr \| Moon Township \| Pennsylvania \| 15108 \| P: 866-789-1814 \| F: 866-789-1845 \| mortgageconnectlp.com<br>

## Exhibit 99.2

**Exhibit 99.2 Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Loan ID** | **Deal ID** | **Review Date** | **Note Date** | **Original Loan Amount** | **State** | **Expected MTG Lien Position** | **MTG Lien Position** | **MTG Released?** | **Count of Pre-Origination MTG Liens** | **Total Dollar Amount of Pre-Origination MTG Lien(s)** | **Count of Pre-Origination Non-MTG Liens** | **Total Dollar Amount of Pre-Origination Non-MTG Lien(s)** | **Post-Origination Non-MTG Liens (Yes/No)** | **Pre-origination Findings** | **TPOL Reviewed?** | **TPOL Exception to Pre-Origination MTG/Non-MTG Liens?** | **Specific TPOL Exceptions** | **Superlien State? (Yes/No)** | **HOA Lien?** | **Pre-Origination HOA Lien Amount** | **Post- Origination HOA Amount** | **Muni Lien?** | **Pre-Origination Muni Amount** | **Post- Origination Muni Amount** |
| 1 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 2 | N/A | N/A | 01/19/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 3 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 4 | N/A | N/A | 01/24/2023 | N/A | N/A | NM | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 5 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 6 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 7 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 8 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 9 | N/A | N/A | 01/26/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 10 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 11 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 12 | N/A | N/A | 01/20/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 13 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 14 | N/A | N/A | 01/19/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 15 | N/A | N/A | 01/23/2023 | N/A | N/A | CO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 16 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 17 | N/A | N/A | 01/18/2023 | N/A | N/A | MA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 18 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 19 | N/A | N/A | 01/18/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 20 | N/A | N/A | 01/20/2023 | N/A | N/A | OK | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 21 | N/A | N/A | 01/19/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 22 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 23 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 24 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 25 | N/A | N/A | 01/23/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 26 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 10 | No | 0 | $0.00 | 9 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 27 | N/A | N/A | 01/20/2023 | N/A | N/A | RI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 28 | N/A | N/A | 01/23/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 29 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 30 | N/A | N/A | 01/20/2023 | N/A | N/A | AR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 31 | N/A | N/A | 01/20/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 32 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 33 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 34 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 35 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 36 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 37 | N/A | N/A | 01/21/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 38 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 39 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 40 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 41 | N/A | N/A | 01/20/2023 | N/A | N/A | MI | 1 | 5 | No | 0 | $0.00 | 4 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 42 | N/A | N/A | 01/20/2023 | N/A | N/A | AL | 1 | 8 | No | 0 | $0.00 | 7 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 43 | N/A | N/A | 01/24/2023 | N/A | N/A | CT | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 44 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 45 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 46 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 47 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 48 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 49 | N/A | N/A | 01/24/2023 | N/A | N/A | KY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 50 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 5 | No | 0 | $0.00 | 4 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 51 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 52 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 3 | No | 2 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 53 | N/A | N/A | 01/24/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 54 | N/A | N/A | 01/25/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 55 | N/A | N/A | 01/18/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 56 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 57 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 58 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 59 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 60 | N/A | N/A | 01/20/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 61 | N/A | N/A | 01/25/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 62 | N/A | N/A | 01/30/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 63 | N/A | N/A | 01/25/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 64 | N/A | N/A | 01/24/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 65 | N/A | N/A | 01/20/2023 | N/A | N/A | OR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 66 | N/A | N/A | 01/25/2023 | N/A | N/A | WI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 67 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 68 | N/A | N/A | 01/19/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 69 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 70 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 71 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 9 | No | 1 | $XXX | 7 | $XXX | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 72 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 73 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 74 | N/A | N/A | 01/23/2023 | N/A | N/A | AZ | 1 | 3 | No | 2 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 75 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 76 | N/A | N/A | 01/25/2023 | N/A | N/A | IN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 77 | N/A | N/A | 01/23/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 78 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 79 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 80 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 81 | N/A | N/A | 01/25/2023 | N/A | N/A | CO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 82 | N/A | N/A | 01/20/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 83 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 7 | No | 0 | $0.00 | 6 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 84 | N/A | N/A | 01/25/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 85 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 86 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 87 | N/A | N/A | 01/24/2023 | N/A | N/A | CT | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 88 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 11 | No | 0 | $0.00 | 10 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 89 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 90 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 91 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 92 | N/A | N/A | 01/23/2023 | N/A | N/A | MO | 2 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 93 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 94 | N/A | N/A | 01/20/2023 | N/A | N/A | MS | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 95 | N/A | N/A | 01/24/2023 | N/A | N/A | NV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 96 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 97 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 98 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 99 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 100 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 101 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 102 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 10 | No | 0 | $0.00 | 9 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 103 | N/A | N/A | 01/23/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 104 | N/A | N/A | 01/24/2023 | N/A | N/A | MA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 105 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 106 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 107 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 7 | No | 0 | $0.00 | 6 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 108 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 109 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 110 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 111 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 112 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 113 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 114 | N/A | N/A | 01/30/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 115 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 116 | N/A | N/A | 01/19/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 117 | N/A | N/A | 01/24/2023 | N/A | N/A | MS | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 118 | N/A | N/A | 01/20/2023 | N/A | N/A | LA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 119 | N/A | N/A | 01/25/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 120 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 4 | No | 1 | $XXX | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 121 | N/A | N/A | 01/25/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 122 | N/A | N/A | 01/19/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 123 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 124 | N/A | N/A | 01/20/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 125 | N/A | N/A | 01/26/2023 | N/A | N/A | NV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 126 | N/A | N/A | 01/25/2023 | N/A | N/A | AL | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 127 | N/A | N/A | 01/24/2023 | N/A | N/A | DC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 128 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 129 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 130 | N/A | N/A | 01/19/2023 | N/A | N/A | MN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 131 | N/A | N/A | 01/25/2023 | N/A | N/A | CO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 132 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 133 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 134 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 135 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 136 | N/A | N/A | 01/25/2023 | N/A | N/A | NM | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 137 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 138 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 139 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 8 | No | 0 | $0.00 | 7 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 140 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 141 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 142 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 143 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 144 | N/A | N/A | 01/18/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 145 | N/A | N/A | 01/30/2023 | N/A | N/A | VT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 146 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 147 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 148 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 149 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 150 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | Yes | $0.00 | $XXX |
| 151 | N/A | N/A | 01/23/2023 | N/A | N/A | TN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 152 | N/A | N/A | 01/25/2023 | N/A | N/A | OH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 153 | N/A | N/A | 01/20/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 154 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 155 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $50.00 |
| 156 | N/A | N/A | 01/24/2023 | N/A | N/A | OR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 157 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 158 | N/A | N/A | 01/19/2023 | N/A | N/A | UT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 159 | N/A | N/A | 01/25/2023 | N/A | N/A | NV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 160 | N/A | N/A | 01/20/2023 | N/A | N/A | WA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $XXX | $0.00 | No | $0.00 | $0.00 |
| 161 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 162 | N/A | N/A | 01/19/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 163 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 164 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 165 | N/A | N/A | 01/24/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 166 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 167 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 168 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 169 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 170 | N/A | N/A | 01/23/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 171 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 172 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 173 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 2 | No | 0 | $0.00 | 1 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 174 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 11 | No | 0 | $0.00 | 10 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 175 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 176 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 177 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 178 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 179 | N/A | N/A | 01/23/2023 | N/A | N/A | MA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 180 | N/A | N/A | 01/19/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 181 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 182 | N/A | N/A | 01/19/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 183 | N/A | N/A | 01/24/2023 | N/A | N/A | NM | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 184 | N/A | N/A | 01/20/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 185 | N/A | N/A | 01/25/2023 | N/A | N/A | OH | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 186 | N/A | N/A | 01/25/2023 | N/A | N/A | OH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 187 | N/A | N/A | 01/27/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 188 | N/A | N/A | 01/25/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 189 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 190 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 191 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 192 | N/A | N/A | 01/23/2023 | N/A | N/A | DC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 193 | N/A | N/A | 01/25/2023 | N/A | N/A | NJ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 194 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 6 | No | 0 | $0.00 | 5 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 195 | N/A | N/A | 01/25/2023 | N/A | N/A | DC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 196 | N/A | N/A | 01/25/2023 | N/A | N/A | DC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 197 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 198 | N/A | N/A | 01/24/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 199 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 200 | N/A | N/A | 01/20/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 201 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 202 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 203 | N/A | N/A | 01/25/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 204 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 205 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 206 | N/A | N/A | 01/25/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 207 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 208 | N/A | N/A | 01/23/2023 | N/A | N/A | MA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 209 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 210 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 211 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 212 | N/A | N/A | 01/23/2023 | N/A | N/A | OH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 213 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 214 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 215 | N/A | N/A | 01/23/2023 | N/A | N/A | MI | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 216 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 217 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 11 | No | 0 | $0.00 | 10 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 218 | N/A | N/A | 01/20/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 219 | N/A | N/A | 01/20/2023 | N/A | N/A | OR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 220 | N/A | N/A | 01/19/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 221 | N/A | N/A | 01/22/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 222 | N/A | N/A | 01/20/2023 | N/A | N/A | WV | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 223 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 224 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 225 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 226 | N/A | N/A | 01/23/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 227 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 228 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 229 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 230 | N/A | N/A | 01/22/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 231 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 232 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 233 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 8 | No | 0 | $0.00 | 7 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 234 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 235 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 236 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 237 | N/A | N/A | 01/20/2023 | N/A | N/A | AR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 238 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 239 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 240 | N/A | N/A | 01/26/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 241 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 242 | N/A | N/A | 01/20/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 243 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 244 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 245 | N/A | N/A | 01/25/2023 | N/A | N/A | TN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 246 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 247 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 8 | No | 0 | $0.00 | 7 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 248 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 249 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 250 | N/A | N/A | 01/25/2023 | N/A | N/A | NV | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 251 | N/A | N/A | 01/25/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 252 | N/A | N/A | 01/25/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 253 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 254 | N/A | N/A | 01/26/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 255 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 256 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 257 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 258 | N/A | N/A | 01/25/2023 | N/A | N/A | NM | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 259 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 260 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 261 | N/A | N/A | 01/25/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 262 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 263 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 264 | N/A | N/A | 01/24/2023 | N/A | N/A | NV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 265 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 266 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 267 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 268 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 269 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 270 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 271 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 272 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 273 | N/A | N/A | 01/23/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 274 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 275 | N/A | N/A | 01/25/2023 | N/A | N/A | IN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 276 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 277 | N/A | N/A | 01/25/2023 | N/A | N/A | WI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 278 | N/A | N/A | 01/20/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 279 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 280 | N/A | N/A | 01/20/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 281 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 282 | N/A | N/A | 01/20/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 283 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 284 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 3 | No | 1 | $XXX | 1 | $XXX | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 285 | N/A | N/A | 01/24/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 286 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 287 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 288 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 289 | N/A | N/A | 01/25/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 290 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 291 | N/A | N/A | 01/20/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 292 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 293 | N/A | N/A | 01/24/2023 | N/A | N/A | ID | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 294 | N/A | N/A | 01/24/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 295 | N/A | N/A | 01/19/2023 | N/A | N/A | WA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 296 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 297 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 298 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 299 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 300 | N/A | N/A | 01/23/2023 | N/A | N/A | AZ | 1 | 3 | No | 2 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 301 | N/A | N/A | 01/24/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 302 | N/A | N/A | 01/23/2023 | N/A | N/A | IA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 303 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 304 | N/A | N/A | 01/20/2023 | N/A | N/A | OR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 305 | N/A | N/A | 01/25/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 306 | N/A | N/A | 01/21/2023 | N/A | N/A | NV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 307 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 308 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 309 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 310 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 311 | N/A | N/A | 01/20/2023 | N/A | N/A | AR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 312 | N/A | N/A | 01/24/2023 | N/A | N/A | FL | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 313 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 7 | No | 0 | $0.00 | 6 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 314 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 315 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 316 | N/A | N/A | 01/30/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 317 | N/A | N/A | 01/23/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 318 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 319 | N/A | N/A | 01/25/2023 | N/A | N/A | MS | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 320 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $261.40 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 321 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 322 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 323 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 324 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $XXX |
| 325 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 326 | N/A | N/A | 01/19/2023 | N/A | N/A | CO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 327 | N/A | N/A | 01/20/2023 | N/A | N/A | TN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 328 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 329 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 330 | N/A | N/A | 01/22/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 331 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 332 | N/A | N/A | 01/25/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 333 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 334 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 335 | N/A | N/A | 01/23/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 336 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 337 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 338 | N/A | N/A | 01/25/2023 | N/A | N/A | TN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 339 | N/A | N/A | 01/18/2023 | N/A | N/A | CA | 1 | 8 | No | 0 | $0.00 | 7 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 340 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 341 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 342 | N/A | N/A | 01/23/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 343 | N/A | N/A | 01/18/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 344 | N/A | N/A | 01/23/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 345 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 346 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 347 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 10 | No | 0 | $0.00 | 9 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 348 | N/A | N/A | 01/23/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 349 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 350 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 351 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 352 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 6 | No | 2 | $XXX | 3 | $XXX | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 353 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 354 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 355 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 356 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 357 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 358 | N/A | N/A | 01/20/2023 | N/A | N/A | LA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 359 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 360 | N/A | N/A | 01/18/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 361 | N/A | N/A | 01/23/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 362 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 363 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 364 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 365 | N/A | N/A | 01/18/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 366 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 367 | N/A | N/A | 01/20/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 368 | N/A | N/A | 01/24/2023 | N/A | N/A | OR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 369 | N/A | N/A | 01/20/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 370 | N/A | N/A | 01/23/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 371 | N/A | N/A | 01/23/2023 | N/A | N/A | MI | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 372 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 373 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 6 | No | 0 | $0.00 | 5 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 374 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 375 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 4 | No | 2 | $XXX | 1 | $XXX | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 376 | N/A | N/A | 01/26/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 377 | N/A | N/A | 01/19/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 378 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 379 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 380 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 381 | N/A | N/A | 01/25/2023 | N/A | N/A | WI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 382 | N/A | N/A | 01/24/2023 | N/A | N/A | RI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 383 | N/A | N/A | 01/25/2023 | N/A | N/A | MN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 384 | N/A | N/A | 01/23/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 385 | N/A | N/A | 01/24/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 386 | N/A | N/A | 01/19/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 387 | N/A | N/A | 01/23/2023 | N/A | N/A | DC | 1 | 3 | No | 1 | $XXX | 1 | $XXX | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 388 | N/A | N/A | 01/25/2023 | N/A | N/A | LA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 389 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $XXX | $0.00 | No | $0.00 | $0.00 |
| 390 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 391 | N/A | N/A | 01/24/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 392 | N/A | N/A | 01/19/2023 | N/A | N/A | AR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 393 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 394 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 395 | N/A | N/A | 01/23/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 396 | N/A | N/A | 01/24/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 397 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 398 | N/A | N/A | 01/23/2023 | N/A | N/A | NY | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 399 | N/A | N/A | 01/27/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 400 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 401 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 402 | N/A | N/A | 01/23/2023 | N/A | N/A | MA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 403 | N/A | N/A | 01/24/2023 | N/A | N/A | ME | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 404 | N/A | N/A | 01/25/2023 | N/A | N/A | MS | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 405 | N/A | N/A | 01/21/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 406 | N/A | N/A | 01/20/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 407 | N/A | N/A | 01/19/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 408 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 409 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 410 | N/A | N/A | 01/25/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 411 | N/A | N/A | 01/26/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 412 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 413 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 414 | N/A | N/A | 01/25/2023 | N/A | N/A | MI | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 415 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 416 | N/A | N/A | 01/20/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 417 | N/A | N/A | 01/24/2023 | N/A | N/A | GA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 418 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 419 | N/A | N/A | 01/23/2023 | N/A | N/A | KY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 420 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 421 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 422 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 423 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 424 | N/A | N/A | 01/25/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 425 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 426 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 427 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 428 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 429 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 430 | N/A | N/A | 01/24/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 431 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 5 | No | 0 | $0.00 | 4 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 432 | N/A | N/A | 01/19/2023 | N/A | N/A | KS | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 433 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 434 | N/A | N/A | 01/21/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 435 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 436 | N/A | N/A | 01/21/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 437 | N/A | N/A | 01/23/2023 | N/A | N/A | AL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 438 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 439 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 440 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 441 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 442 | N/A | N/A | 01/24/2023 | N/A | N/A | KY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 443 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 444 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 445 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 446 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 5 | No | 0 | $0.00 | 4 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 447 | N/A | N/A | 01/25/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 448 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 449 | N/A | N/A | 01/25/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 450 | N/A | N/A | 01/25/2023 | N/A | N/A | NV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 451 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $XXX | $0.00 | No | $0.00 | $0.00 |
| 452 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 453 | N/A | N/A | 01/23/2023 | N/A | N/A | OH | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 454 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 455 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 456 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 457 | N/A | N/A | 01/20/2023 | N/A | N/A | UT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 458 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 459 | N/A | N/A | 01/20/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 460 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 461 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 462 | N/A | N/A | 01/20/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 463 | N/A | N/A | 01/19/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 464 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 465 | N/A | N/A | 01/25/2023 | N/A | N/A | NJ | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 466 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 11 | No | 0 | $0.00 | 10 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 467 | N/A | N/A | 01/20/2023 | N/A | N/A | NC | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 468 | N/A | N/A | 01/20/2023 | N/A | N/A | RI | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 469 | N/A | N/A | 01/25/2023 | N/A | N/A | IN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 470 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 471 | N/A | N/A | 01/25/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 472 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 473 | N/A | N/A | 01/19/2023 | N/A | N/A | MN | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 474 | N/A | N/A | 01/19/2023 | N/A | N/A | VA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 475 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 476 | N/A | N/A | 01/19/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 477 | N/A | N/A | 01/19/2023 | N/A | N/A | IN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 478 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 479 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 480 | N/A | N/A | 01/24/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 481 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 482 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 483 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 484 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 3 | No | 1 | $XXX | 1 | $XXX | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 485 | N/A | N/A | 01/25/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 486 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 487 | N/A | N/A | 01/19/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 488 | N/A | N/A | 01/23/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 489 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 490 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 5 | No | 0 | $0.00 | 4 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $3.69 |
| 491 | N/A | N/A | 01/18/2023 | N/A | N/A | MN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 492 | N/A | N/A | 01/24/2023 | N/A | N/A | AL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 493 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 494 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 495 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 496 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 497 | N/A | N/A | 01/20/2023 | N/A | N/A | LA | 1 | 7 | No | 0 | $0.00 | 6 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 498 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 499 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 500 | N/A | N/A | 01/25/2023 | N/A | N/A | NV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 501 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 502 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 503 | N/A | N/A | 01/19/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 504 | N/A | N/A | 01/20/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 505 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 506 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 507 | N/A | N/A | 01/19/2023 | N/A | N/A | UT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 508 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 509 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 510 | N/A | N/A | 01/25/2023 | N/A | N/A | IN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 511 | N/A | N/A | 01/19/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 512 | N/A | N/A | 01/24/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 513 | N/A | N/A | 01/23/2023 | N/A | N/A | DE | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 514 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 515 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 516 | N/A | N/A | 01/24/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 517 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 518 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 519 | N/A | N/A | 01/24/2023 | N/A | N/A | TN | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 520 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 521 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 522 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 3 | No | 2 | $XXX | 0 | $0.00 | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 523 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 524 | N/A | N/A | 01/19/2023 | N/A | N/A | NJ | 1 | 3 | No | 1 | $XXX | 1 | $XXX | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 525 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 526 | N/A | N/A | 01/19/2023 | N/A | N/A | AR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 527 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 528 | N/A | N/A | 01/20/2023 | N/A | N/A | LA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 529 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 530 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 531 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 532 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 533 | N/A | N/A | 01/25/2023 | N/A | N/A | RI | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 534 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 535 | N/A | N/A | 01/23/2023 | N/A | N/A | NH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 536 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 537 | N/A | N/A | 01/27/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 538 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 539 | N/A | N/A | 01/20/2023 | N/A | N/A | OR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 540 | N/A | N/A | 01/25/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 541 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 542 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 5 | No | 0 | $0.00 | 4 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 543 | N/A | N/A | 01/19/2023 | N/A | N/A | VA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 544 | N/A | N/A | 01/30/2023 | N/A | N/A | LA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 545 | N/A | N/A | 01/18/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 546 | N/A | N/A | 01/25/2023 | N/A | N/A | CO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 547 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 548 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 549 | N/A | N/A | 01/24/2023 | N/A | N/A | WV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 550 | N/A | N/A | 01/23/2023 | N/A | N/A | IN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 551 | N/A | N/A | 01/25/2023 | N/A | N/A | NM | 1 | 8 | No | 0 | $0.00 | 7 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 552 | N/A | N/A | 01/19/2023 | N/A | N/A | ME | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 553 | N/A | N/A | 01/24/2023 | N/A | N/A | VA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 554 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 555 | N/A | N/A | 01/25/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 556 | N/A | N/A | 01/30/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 557 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 558 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 559 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 560 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 561 | N/A | N/A | 01/23/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 562 | N/A | N/A | 01/24/2023 | N/A | N/A | HI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 563 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 564 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 565 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 566 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 6 | No | 0 | $0.00 | 5 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 567 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 568 | N/A | N/A | 01/24/2023 | N/A | N/A | NH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 569 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 570 | N/A | N/A | 01/19/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 571 | N/A | N/A | 01/27/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 572 | N/A | N/A | 01/19/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 573 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 574 | N/A | N/A | 01/25/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 575 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 576 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 577 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 11 | No | 0 | $0.00 | 10 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 578 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 579 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 580 | N/A | N/A | 01/24/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 581 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 582 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 583 | N/A | N/A | 01/25/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 584 | N/A | N/A | 01/19/2023 | N/A | N/A | LA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 585 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 586 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 587 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 588 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 589 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 590 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 591 | N/A | N/A | 01/24/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 592 | N/A | N/A | 01/23/2023 | N/A | N/A | DC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 593 | N/A | N/A | 01/24/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 594 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 595 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 596 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 8 | No | 1 | $XXX | 6 | $XXX | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 597 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 598 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 599 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 600 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 601 | N/A | N/A | 01/19/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 602 | N/A | N/A | 01/19/2023 | N/A | N/A | OR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 603 | N/A | N/A | 01/18/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 604 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 605 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 606 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 607 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 608 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 609 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 12 | No | 0 | $0.00 | 11 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 610 | N/A | N/A | 01/25/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 611 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 612 | N/A | N/A | 01/26/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 613 | N/A | N/A | 01/27/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 614 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 9 | No | 0 | $0.00 | 8 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 615 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 616 | N/A | N/A | 01/25/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 617 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 618 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 619 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 620 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 621 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 622 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 623 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 624 | N/A | N/A | 01/24/2023 | N/A | N/A | IN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 625 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 626 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 627 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 628 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 629 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 630 | N/A | N/A | 01/30/2023 | N/A | N/A | PA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 631 | N/A | N/A | 01/25/2023 | N/A | N/A | OH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 632 | N/A | N/A | 01/24/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 633 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 5 | No | 1 | $XXX | 3 | $XXX | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 634 | N/A | N/A | 01/25/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 635 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 636 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 637 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 638 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 639 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 640 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 641 | N/A | N/A | 01/25/2023 | N/A | N/A | WI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 642 | N/A | N/A | 01/22/2023 | N/A | N/A | CA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 643 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 644 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 645 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 646 | N/A | N/A | 01/19/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 647 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 648 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 649 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 650 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 651 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 652 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 653 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 654 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 655 | N/A | N/A | 01/20/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 656 | N/A | N/A | 01/19/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 657 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 658 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 659 | N/A | N/A | 01/19/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 660 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 661 | N/A | N/A | 01/19/2023 | N/A | N/A | NY | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 662 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 663 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 664 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 665 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 666 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 667 | N/A | N/A | 01/19/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 668 | N/A | N/A | 01/26/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 669 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 670 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 671 | N/A | N/A | 01/25/2023 | N/A | N/A | MN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 672 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 673 | N/A | N/A | 01/24/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 674 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 675 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 676 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 677 | N/A | N/A | 01/19/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 678 | N/A | N/A | 01/26/2023 | N/A | N/A | RI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 679 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 680 | N/A | N/A | 01/20/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 681 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 682 | N/A | N/A | 01/27/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 683 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 684 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 5 | No | 0 | $0.00 | 4 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 685 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 686 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 687 | N/A | N/A | 01/23/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 688 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 689 | N/A | N/A | 01/24/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 690 | N/A | N/A | 01/23/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 691 | N/A | N/A | 01/26/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 692 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 693 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 694 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 695 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 8 | No | 0 | $0.00 | 7 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 696 | N/A | N/A | 01/24/2023 | N/A | N/A | NC | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $XXX | $0.00 | No | $0.00 | $0.00 |
| 697 | N/A | N/A | 01/20/2023 | N/A | N/A | LA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 698 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 699 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 700 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 701 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 702 | N/A | N/A | 01/25/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 703 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 704 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 705 | N/A | N/A | 01/19/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 706 | N/A | N/A | 01/24/2023 | N/A | N/A | AR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 707 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 708 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 709 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 710 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 711 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 11 | No | 0 | $0.00 | 10 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 712 | N/A | N/A | 01/25/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 713 | N/A | N/A | 01/22/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 714 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 715 | N/A | N/A | 01/24/2023 | N/A | N/A | OH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 716 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 717 | N/A | N/A | 01/20/2023 | N/A | N/A | NM | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 718 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 719 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 5 | No | 0 | $0.00 | 4 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 720 | N/A | N/A | 01/19/2023 | N/A | N/A | VA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 721 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 722 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 723 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 724 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 725 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 726 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 727 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 728 | N/A | N/A | 01/19/2023 | N/A | N/A | KS | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 729 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 730 | N/A | N/A | 01/20/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 731 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 732 | N/A | N/A | 01/23/2023 | N/A | N/A | IL | 1 | 8 | No | 0 | $0.00 | 7 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 733 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 734 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 735 | N/A | N/A | 01/24/2023 | N/A | N/A | MA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 736 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 6 | No | 0 | $0.00 | 5 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 737 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 738 | N/A | N/A | 01/26/2023 | N/A | N/A | NJ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 739 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 740 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 741 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 742 | N/A | N/A | 01/25/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 743 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 744 | N/A | N/A | 01/26/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 745 | N/A | N/A | 01/24/2023 | N/A | N/A | OH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 746 | N/A | N/A | 01/26/2023 | N/A | N/A | VA | 1 | 2 | No | 0 | $0.00 | 1 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 747 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 748 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 749 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 750 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 751 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $XXX | $0.00 | No | $0.00 | $0.00 |
| 752 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 753 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 754 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 755 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 5 | No | 0 | $0.00 | 4 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 756 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 757 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 758 | N/A | N/A | 01/27/2023 | N/A | N/A | IN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 759 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 760 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 761 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 762 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 763 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 764 | N/A | N/A | 01/24/2023 | N/A | N/A | OH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 765 | N/A | N/A | 01/19/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 766 | N/A | N/A | 01/24/2023 | N/A | N/A | VA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 767 | N/A | N/A | 01/25/2023 | N/A | N/A | RI | 1 | 7 | No | 0 | $0.00 | 6 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 768 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 769 | N/A | N/A | 01/24/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 770 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 771 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 772 | N/A | N/A | 01/24/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 773 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 774 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 7 | No | 0 | $0.00 | 6 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $XXX | $0.00 | No | $0.00 | $0.00 |
| 775 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 6 | No | 0 | $0.00 | 5 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 776 | N/A | N/A | 01/21/2023 | N/A | N/A | VA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 777 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 778 | N/A | N/A | 01/24/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 779 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 780 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 781 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 782 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 783 | N/A | N/A | 01/20/2023 | N/A | N/A | RI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 784 | N/A | N/A | 01/26/2023 | N/A | N/A | TX | 1 | 2 | No | 0 | $0.00 | 1 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 785 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 11 | No | 0 | $0.00 | 10 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 786 | N/A | N/A | 01/24/2023 | N/A | N/A | KY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 787 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 788 | N/A | N/A | 01/25/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 789 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 790 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 791 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 792 | N/A | N/A | 01/25/2023 | N/A | N/A | IN | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 793 | N/A | N/A | 01/23/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 794 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 795 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 796 | N/A | N/A | 01/20/2023 | N/A | N/A | MA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 797 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 798 | N/A | N/A | 01/18/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 799 | N/A | N/A | 01/24/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 800 | N/A | N/A | 01/24/2023 | N/A | N/A | OR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 801 | N/A | N/A | 01/25/2023 | N/A | N/A | RI | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 802 | N/A | N/A | 01/24/2023 | N/A | N/A | OH | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 803 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 804 | N/A | N/A | 01/30/2023 | N/A | N/A | AR | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 805 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 806 | N/A | N/A | 01/30/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 807 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 808 | N/A | N/A | 01/24/2023 | N/A | N/A | OR | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 809 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 810 | N/A | N/A | 01/23/2023 | N/A | N/A | KY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 811 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 812 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 813 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 814 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 815 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 816 | N/A | N/A | 01/23/2023 | N/A | N/A | OH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 817 | N/A | N/A | 01/25/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 818 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 819 | N/A | N/A | 01/18/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 820 | N/A | N/A | 01/25/2023 | N/A | N/A | OH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 821 | N/A | N/A | 01/24/2023 | N/A | N/A | WV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 822 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 823 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 824 | N/A | N/A | 01/18/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 825 | N/A | N/A | 01/25/2023 | N/A | N/A | AR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 826 | N/A | N/A | 01/23/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 827 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 828 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 829 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 830 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 831 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 832 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 833 | N/A | N/A | 01/19/2023 | N/A | N/A | KY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 834 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 835 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 836 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 837 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 838 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 839 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 840 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 4 | No | 1 | $XXX | 2 | $XXX | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 841 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 842 | N/A | N/A | 01/20/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 843 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 844 | N/A | N/A | 01/24/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 845 | N/A | N/A | 01/25/2023 | N/A | N/A | VA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 846 | N/A | N/A | 01/19/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 847 | N/A | N/A | 01/25/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 848 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 849 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 850 | N/A | N/A | 01/18/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 851 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 852 | N/A | N/A | 01/25/2023 | N/A | N/A | TN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 853 | N/A | N/A | 01/23/2023 | N/A | N/A | TN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 854 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 855 | N/A | N/A | 01/25/2023 | N/A | N/A | IN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 856 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 857 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 858 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 859 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 860 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 861 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 862 | N/A | N/A | 01/25/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 863 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 864 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 865 | N/A | N/A | 01/25/2023 | N/A | N/A | WI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 866 | N/A | N/A | 01/23/2023 | N/A | N/A | MA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 867 | N/A | N/A | 01/24/2023 | N/A | N/A | GA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 868 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 869 | N/A | N/A | 01/24/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 870 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 5 | No | 1 | $XXX | 3 | $XXX | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 871 | N/A | N/A | 01/20/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 872 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 873 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 874 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 875 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 876 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 877 | N/A | N/A | 01/23/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 878 | N/A | N/A | 01/24/2023 | N/A | N/A | OH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 879 | N/A | N/A | 01/26/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 880 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 881 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 882 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 883 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 884 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 885 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 886 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 887 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 888 | N/A | N/A | 01/26/2023 | N/A | N/A | PA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 889 | N/A | N/A | 01/25/2023 | N/A | N/A | CO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 890 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 891 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 892 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 893 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 894 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 895 | N/A | N/A | 01/24/2023 | N/A | N/A | UT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 896 | N/A | N/A | 01/24/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 897 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 898 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 899 | N/A | N/A | 01/24/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 900 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 901 | N/A | N/A | 01/23/2023 | N/A | N/A | CO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 902 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 903 | N/A | N/A | 01/19/2023 | N/A | N/A | VA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 904 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 905 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 906 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 907 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 908 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 909 | N/A | N/A | 01/23/2023 | N/A | N/A | MO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 910 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 911 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 912 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 913 | N/A | N/A | 01/24/2023 | N/A | N/A | MA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 914 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 915 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 916 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 917 | N/A | N/A | 01/23/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 918 | N/A | N/A | 01/25/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 919 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 920 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 921 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 2 | No | 1 | v | 0 | $0.00 | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 922 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 923 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 924 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 2 | No | 1 | $XXX | 0 | $0.00 | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 925 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 926 | N/A | N/A | 01/25/2023 | N/A | N/A | IA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 927 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 928 | N/A | N/A | 01/22/2023 | N/A | N/A | AL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 929 | N/A | N/A | 01/20/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 930 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 931 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 932 | N/A | N/A | 01/23/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 933 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 934 | N/A | N/A | 01/23/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 935 | N/A | N/A | 01/24/2023 | N/A | N/A | TN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 936 | N/A | N/A | 01/23/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 937 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 938 | N/A | N/A | 01/23/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 939 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 940 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 941 | N/A | N/A | 01/23/2023 | N/A | N/A | TN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 942 | N/A | N/A | 01/23/2023 | N/A | N/A | TN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 943 | N/A | N/A | 01/18/2023 | N/A | N/A | CA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 944 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 945 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 946 | N/A | N/A | 01/23/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 947 | N/A | N/A | 01/25/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 948 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 949 | N/A | N/A | 01/24/2023 | N/A | N/A | NV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 950 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 951 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 952 | N/A | N/A | 01/25/2023 | N/A | N/A | NV | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 953 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 954 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 955 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 956 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 6 | No | 1 | $XXX | 4 | $XXX | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 957 | N/A | N/A | 01/23/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 958 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 959 | N/A | N/A | 01/18/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 960 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 961 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 962 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 963 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 964 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 965 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 966 | N/A | N/A | 01/24/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 967 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 968 | N/A | N/A | 01/23/2023 | N/A | N/A | LA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 969 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 970 | N/A | N/A | 01/22/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 971 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 972 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 973 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 974 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 975 | N/A | N/A | 01/24/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 976 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 977 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 978 | N/A | N/A | 01/24/2023 | N/A | N/A | CT | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 979 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 980 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 981 | N/A | N/A | 01/23/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 982 | N/A | N/A | 01/19/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 983 | N/A | N/A | 01/26/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 984 | N/A | N/A | 01/24/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 985 | N/A | N/A | 01/25/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 986 | N/A | N/A | 01/23/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 987 | N/A | N/A | 01/24/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 988 | N/A | N/A | 01/24/2023 | N/A | N/A | OK | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 989 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 990 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 991 | N/A | N/A | 01/24/2023 | N/A | N/A | NY | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 992 | N/A | N/A | 01/20/2023 | N/A | N/A | GA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 993 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 994 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 995 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 996 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 997 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 998 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 999 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1000 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1001 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 1002 | N/A | N/A | 01/23/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1003 | N/A | N/A | 01/25/2023 | N/A | N/A | CA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1004 | N/A | N/A | 01/23/2023 | N/A | N/A | OK | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1005 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $XXX |
| 1006 | N/A | N/A | 01/24/2023 | N/A | N/A | WA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1007 | N/A | N/A | 01/23/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1008 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1009 | N/A | N/A | 01/23/2023 | N/A | N/A | CO | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 1010 | N/A | N/A | 01/24/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1011 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1012 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1013 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1014 | N/A | N/A | 01/19/2023 | N/A | N/A | WA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1015 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1016 | N/A | N/A | 01/20/2023 | N/A | N/A | CA | 1 | 11 | No | 0 | $0.00 | 10 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1017 | N/A | N/A | 01/19/2023 | N/A | N/A | GA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1018 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1019 | N/A | N/A | 01/24/2023 | N/A | N/A | NH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1020 | N/A | N/A | 01/24/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1021 | N/A | N/A | 01/24/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1022 | N/A | N/A | 01/22/2023 | N/A | N/A | CA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1023 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1024 | N/A | N/A | 01/19/2023 | N/A | N/A | AR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1025 | N/A | N/A | 01/22/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1026 | N/A | N/A | 01/24/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1027 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1028 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1029 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1030 | N/A | N/A | 01/19/2023 | N/A | N/A | VA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1031 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 1032 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 9 | No | 1 | $XXX | 7 | $XXX | No | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1033 | N/A | N/A | 01/20/2023 | N/A | N/A | OR | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1034 | N/A | N/A | 01/26/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1035 | N/A | N/A | 01/23/2023 | N/A | N/A | NC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1036 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1037 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 1038 | N/A | N/A | 01/19/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1039 | N/A | N/A | 01/25/2023 | N/A | N/A | SC | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 1040 | N/A | N/A | 01/23/2023 | N/A | N/A | MA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 1041 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1042 | N/A | N/A | 01/23/2023 | N/A | N/A | NY | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1043 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 1044 | N/A | N/A | 01/18/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1045 | N/A | N/A | 01/20/2023 | N/A | N/A | NM | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1046 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1047 | N/A | N/A | 01/23/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1048 | N/A | N/A | 01/26/2023 | N/A | N/A | CO | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1049 | N/A | N/A | 01/25/2023 | N/A | N/A | NC | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1050 | N/A | N/A | 01/22/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1051 | N/A | N/A | 01/23/2023 | N/A | N/A | GA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1052 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1053 | N/A | N/A | 01/25/2023 | N/A | N/A | PA | 1 | 4 | No | 0 | $0.00 | 3 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 1054 | N/A | N/A | 01/19/2023 | N/A | N/A | NE | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1055 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1056 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1057 | N/A | N/A | 01/18/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1058 | N/A | N/A | 01/24/2023 | N/A | N/A | CA | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1059 | N/A | N/A | 01/20/2023 | N/A | N/A | MA | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $XXX | $0.00 |
| 1060 | N/A | N/A | 01/24/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1061 | N/A | N/A | 01/24/2023 | N/A | N/A | IN | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1062 | N/A | N/A | 01/23/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1063 | N/A | N/A | 01/25/2023 | N/A | N/A | NJ | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 1064 | N/A | N/A | 01/24/2023 | N/A | N/A | NJ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1065 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1066 | N/A | N/A | 01/24/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1067 | N/A | N/A | 01/25/2023 | N/A | N/A | DC | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 1068 | N/A | N/A | 01/19/2023 | N/A | N/A | MI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1069 | N/A | N/A | 01/24/2023 | N/A | N/A | MD | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 1070 | N/A | N/A | 01/23/2023 | N/A | N/A | TX | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1071 | N/A | N/A | 01/19/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1072 | N/A | N/A | 01/23/2023 | N/A | N/A | PA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1073 | N/A | N/A | 01/25/2023 | N/A | N/A | WI | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1074 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1075 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1076 | N/A | N/A | 01/18/2023 | N/A | N/A | FL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1077 | N/A | N/A | 01/23/2023 | N/A | N/A | NH | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1078 | N/A | N/A | 01/27/2023 | N/A | N/A | MA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1079 | N/A | N/A | 01/25/2023 | N/A | N/A | TX | 1 | 2 | No | 0 | $0.00 | 1 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1080 | N/A | N/A | 01/24/2023 | N/A | N/A | IL | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1081 | N/A | N/A | 01/26/2023 | N/A | N/A | NJ | 1 | 4 | No | 1 | $XXX | 2 | $XXX | Yes | Title Policy unavailable/deficient; does not confirm lien insured in expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | Yes | $0.00 | $XXX |
| 1082 | N/A | N/A | 01/19/2023 | N/A | N/A | MI | 1 | 3 | No | 0 | $0.00 | 2 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1083 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1084 | N/A | N/A | 01/23/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1085 | N/A | N/A | 01/19/2023 | N/A | N/A | MA | 1 | 5 | No | 0 | $0.00 | 4 | $XXX | No | Title/Lien search confirms expected lien position | No | N/A | N/A | Y | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1086 | N/A | N/A | 01/19/2023 | N/A | N/A | AZ | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | Yes | Title/Lien search confirms expected lien position | No | N/A | N/A | N | Yes | $0.00 | $XXX | No | $0.00 | $0.00 |
| 1087 | N/A | N/A | 01/18/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1088 | N/A | N/A | 01/24/2023 | N/A | N/A | SC | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |
| 1089 | N/A | N/A | 01/19/2023 | N/A | N/A | CA | 1 | 1 | No | 0 | $0.00 | 0 | $0.00 | No | Title/Lien search confirms expected lien position | No | N/A | N/A | N | No | $0.00 | $0.00 | No | $0.00 | $0.00 |

---

## Exhibit 99.2

**Exhibit 99.2 Schedule 3**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Loan ID** | **Portfolio ID** | **Review Date** | **Parcel ID** | **Tax Cert Delinquency ?** | **Delinquent Tax Amount** | **Good Through Date** |
| 1 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 2 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 3 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 4 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 5 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 6 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 7 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 8 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 9 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 10 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 11 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 12 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 13 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 14 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 15 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 16 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 17 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 18 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 19 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 20 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 21 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 22 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 23 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 24 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 25 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 26 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 27 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 28 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 29 | N/A | N/A | 01/24/2023 | N/A | Yes | $251.02 | 01/24/2023 |
| 30 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 31 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 32 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 33 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 34 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 35 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 36 | N/A | N/A | 01/24/2023 | N/A | Yes | $5118.77 | 01/24/2023 |
| 37 | N/A | N/A | 01/21/2023 | N/A | No | $0.00 |  |
| 38 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 39 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 40 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 41 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 42 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 43 | N/A | N/A | 01/24/2023 | N/A | Yes | $2289.74 | 01/24/2023 |
| 44 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 45 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 46 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 47 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 48 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 49 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 50 | N/A | N/A | 01/20/2023 | N/A | Yes | $1750.91 | 01/20/2023 |
| 51 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 52 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 53 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 54 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 55 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 56 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 57 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 58 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 59 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 60 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 61 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 62 | N/A | N/A | 01/30/2023 | N/A | No | $0.00 |  |
| 63 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 64 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 65 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 66 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 67 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 68 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 69 | N/A | N/A | 01/24/2023 | N/A | Yes | $38.82 | 01/24/2023 |
| 70 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 71 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 72 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 73 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 74 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 75 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 76 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 77 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 78 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 79 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 80 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 81 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 82 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 83 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 84 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 85 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 86 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 87 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 88 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 89 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 90 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 91 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 92 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 93 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 94 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 95 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 96 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 97 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 98 | N/A | N/A | 01/19/2023 | N/A | Yes | $1753.15 | 01/19/2023 |
| 99 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 100 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 101 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 102 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 103 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 104 | N/A | N/A | 01/24/2023 | N/A | Yes | $63.73 | 01/24/2023 |
| 105 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 106 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 107 | N/A | N/A | 01/20/2023 | N/A | Yes | $752.67 | 01/20/2023 |
| 108 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 109 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 110 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 111 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 112 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 113 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 114 | N/A | N/A | 01/30/2023 | N/A | No | $0.00 |  |
| 115 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 116 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 117 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 118 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 119 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 120 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 121 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 122 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 123 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 124 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 125 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 126 | N/A | N/A | 01/25/2023 | N/A | Yes | $1010.00 | 01/25/2023 |
| 127 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 128 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 129 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 130 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 131 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 132 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 133 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 134 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 135 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 136 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 137 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 138 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 139 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 140 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 141 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 142 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 143 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 144 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 145 | N/A | N/A | 01/30/2023 | N/A | No | $0.00 |  |
| 146 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 147 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 148 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 149 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 150 | N/A | N/A | 01/19/2023 | N/A | Yes | $780.02 | 01/19/2023 |
| 151 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 152 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 153 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 154 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 155 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 156 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 157 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 158 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 159 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 160 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 161 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 162 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 163 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 164 | N/A | N/A | 01/24/2023 | N/A | Yes | $1342.46 | 01/24/2023 |
| 165 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 166 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 167 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 168 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 169 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 170 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 171 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 172 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 173 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 174 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 175 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 176 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 177 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 178 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 179 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 180 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 181 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 182 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 183 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 184 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 185 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 186 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 187 | N/A | N/A | 01/27/2023 | N/A | Unknown | Unknown |  |
| 188 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 189 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 190 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 191 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 192 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 193 | N/A | N/A | 01/25/2023 | N/A | Yes | $1433.72 | 01/25/2023 |
| 194 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 195 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 196 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 197 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 198 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 199 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 200 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 201 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 202 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 203 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 204 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 205 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 206 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 207 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 208 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 209 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 210 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 211 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 212 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 213 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 214 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 215 | N/A | N/A | 01/23/2023 | N/A | Yes | $1118.74 | 01/23/2023 |
| 216 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 217 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 218 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 219 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 220 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 221 | N/A | N/A | 01/22/2023 | N/A | No | $0.00 |  |
| 222 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 223 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 224 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 225 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 226 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 227 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 228 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 229 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 230 | N/A | N/A | 01/22/2023 | N/A | Yes | $8735.16 | 01/22/2023 |
| 231 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 232 | N/A | N/A | 01/19/2023 | N/A | Yes | $738.54 | 01/19/2023 |
| 233 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 234 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 235 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 236 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 237 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 238 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 239 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 240 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 241 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 242 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 243 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 244 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 245 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 246 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 247 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 248 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 249 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 250 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 251 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 252 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 253 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 254 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 255 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 256 | N/A | N/A | 01/23/2023 | N/A | Yes | $56.16 | 01/23/2023 |
| 257 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 258 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 259 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 260 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 261 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 262 | N/A | N/A | 01/20/2023 | N/A | Yes | $768.16 | 01/20/2023 |
| 263 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 264 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 265 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 266 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 267 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 268 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 269 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 270 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 271 | N/A | N/A | 01/19/2023 | N/A | Yes | $71.21 | 01/19/2023 |
| 272 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 273 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 274 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 275 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 276 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 277 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 278 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 279 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 280 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 281 | N/A | N/A | 01/24/2023 | N/A | Unknown | Unknown |  |
| 282 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 283 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 284 | N/A | N/A | 01/23/2023 | N/A | Yes | $2158.26 | 01/23/2023 |
| 285 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 286 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 287 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 288 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 289 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 290 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 291 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 292 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 293 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 294 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 295 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 296 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 297 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 298 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 299 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 300 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 301 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 302 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 303 | N/A | N/A | 01/23/2023 | N/A | Yes | $1850.70 | 01/23/2023 |
| 304 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 305 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 306 | N/A | N/A | 01/21/2023 | N/A | No | $0.00 |  |
| 307 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 308 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 309 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 310 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 311 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 312 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 313 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 314 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 315 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 316 | N/A | N/A | 01/30/2023 | N/A | No | $0.00 |  |
| 317 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 318 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 319 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 320 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 321 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 322 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 323 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 324 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 325 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 326 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 327 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 328 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 329 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 330 | N/A | N/A | 01/22/2023 | N/A | No | $0.00 |  |
| 331 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 332 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 333 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 334 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 335 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 336 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 337 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 338 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 339 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 340 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 341 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 342 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 343 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 344 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 345 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 346 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 347 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 348 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 349 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 350 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 351 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 352 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 353 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 354 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 355 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 356 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 357 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 358 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 359 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 360 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 361 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 362 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 363 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 364 | N/A | N/A | 01/19/2023 | N/A | Yes | $1035.12 | 01/19/2023 |
| 365 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 366 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 367 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 368 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 369 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 370 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 371 | N/A | N/A | 01/23/2023 | N/A | Yes | $540.58 | 01/23/2023 |
| 372 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 373 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 374 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 375 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 376 | N/A | N/A | 01/26/2023 | N/A | Unknown | Unknown |  |
| 377 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 378 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 379 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 380 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 381 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 382 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 383 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 384 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 385 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 386 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 387 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 388 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 389 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 390 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 391 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 392 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 393 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 394 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 395 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 396 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 397 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 398 | N/A | N/A | 01/23/2023 | N/A | Yes | $1781.97 | 01/23/2023 |
| 399 | N/A | N/A | 01/27/2023 | N/A | No | $0.00 |  |
| 400 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 401 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 402 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 403 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 404 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 405 | N/A | N/A | 01/21/2023 | N/A | No | $0.00 |  |
| 406 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 407 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 408 | N/A | N/A | 01/24/2023 | N/A | Yes | $2885.70 | 01/24/2023 |
| 409 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 410 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 411 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 412 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 413 | N/A | N/A | 01/24/2023 | N/A | Yes | $638.42 | 01/24/2023 |
| 414 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 415 | N/A | N/A | 01/23/2023 | N/A | Yes | $212.29 | 01/23/2023 |
| 416 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 417 | N/A | N/A | 01/24/2023 | N/A | Yes | $1742.83 | 01/24/2023 |
| 418 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 419 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 420 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 421 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 422 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 423 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 424 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 425 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 426 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 427 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 428 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 429 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 430 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 431 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 432 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 433 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 434 | N/A | N/A | 01/21/2023 | N/A | No | $0.00 |  |
| 435 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 436 | N/A | N/A | 01/21/2023 | N/A | No | $0.00 |  |
| 437 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 438 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 439 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 440 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 441 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 442 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 443 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 444 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 445 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 446 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 447 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 448 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 449 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 450 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 451 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 452 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 453 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 454 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 455 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 456 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 457 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 458 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 459 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 460 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 461 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 462 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 463 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 464 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 465 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 466 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 467 | N/A | N/A | 01/20/2023 | N/A | Yes | $866.70 | 01/20/2023 |
| 468 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 469 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 470 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 471 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 472 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 473 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 474 | N/A | N/A | 01/19/2023 | N/A | Yes | $133.54 | 01/19/2023 |
| 475 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 476 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 477 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 478 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 479 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 480 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 481 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 482 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 483 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 484 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 485 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 486 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 487 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 488 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 489 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 490 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 491 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 492 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 493 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 494 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 495 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 496 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 497 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 498 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 499 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 500 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 501 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 502 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 503 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 504 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 505 | N/A | N/A | 01/23/2023 | N/A | Yes | $1678.16 | 01/23/2023 |
| 506 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 507 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 508 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 509 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 510 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 511 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 512 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 513 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 514 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 515 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 516 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 517 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 518 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 519 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 520 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 521 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 522 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 523 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 524 | N/A | N/A | 01/19/2023 | N/A | Yes | $199.85 | 01/19/2023 |
| 525 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 526 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 527 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 528 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 529 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 530 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 531 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 532 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 533 | N/A | N/A | 01/25/2023 | N/A | Yes | $101.84 | 01/25/2023 |
| 534 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 535 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 536 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 537 | N/A | N/A | 01/27/2023 | N/A | Unknown | Unknown |  |
| 538 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 539 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 540 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 541 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 542 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 543 | N/A | N/A | 01/19/2023 | N/A | Yes | $44.32 | 01/19/2023 |
| 544 | N/A | N/A | 01/30/2023 | N/A | No | $0.00 |  |
| 545 | N/A | N/A | 01/18/2023 | N/A | Yes | $1008.71 | 01/18/2023 |
| 546 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 547 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 548 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 549 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 550 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 551 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 552 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 553 | N/A | N/A | 01/24/2023 | N/A | Yes | $4702.46 | 01/24/2023 |
| 554 | N/A | N/A | 01/24/2023 | N/A | Yes | $372.42 | 01/24/2023 |
| 555 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 556 | N/A | N/A | 01/30/2023 | N/A | No | $0.00 |  |
| 557 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 558 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 559 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 560 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 561 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 562 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 563 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 564 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 565 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 566 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 567 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 568 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 569 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 570 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 571 | N/A | N/A | 01/27/2023 | N/A | No | $0.00 |  |
| 572 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 573 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 574 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 575 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 576 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 577 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 578 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 579 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 580 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 581 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 582 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 583 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 584 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 585 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 586 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 587 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 588 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 589 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 590 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 591 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 592 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 593 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 594 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 595 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 596 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 597 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 598 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 599 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 600 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 601 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 602 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 603 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 604 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 605 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 606 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 607 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 608 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 609 | N/A | N/A | 01/24/2023 | N/A | Yes | $2612.33 | 01/24/2023 |
| 610 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 611 | N/A | N/A | 01/24/2023 | N/A | Yes | $1706.56 | 01/24/2023 |
| 612 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 613 | N/A | N/A | 01/27/2023 | N/A | No | $0.00 |  |
| 614 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 615 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 616 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 617 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 618 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 619 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 620 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 621 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 622 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 623 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 624 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 625 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 626 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 627 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 628 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 629 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 630 | N/A | N/A | 01/30/2023 | N/A | Unknown | Unknown |  |
| 631 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 632 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 633 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 634 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 635 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 636 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 637 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 638 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 639 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 640 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 641 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 642 | N/A | N/A | 01/22/2023 | N/A | Yes | $1001.05 | 01/22/2023 |
| 643 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 644 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 645 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 646 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 647 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 648 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 649 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 650 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 651 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 652 | N/A | N/A | 01/24/2023 | N/A | Yes | $1072.74 | 01/24/2023 |
| 653 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 654 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 655 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 656 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 657 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 658 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 659 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 660 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 661 | N/A | N/A | 01/19/2023 | N/A | Yes | $1349.61 | 01/19/2023 |
| 662 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 663 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 664 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 665 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 666 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 667 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 668 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 669 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 670 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 671 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 672 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 673 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 674 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 675 | N/A | N/A | 01/24/2023 | N/A | Yes | $1809.13 | 01/24/2023 |
| 676 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 677 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 678 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 679 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 680 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 681 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 682 | N/A | N/A | 01/27/2023 | N/A | Unknown | Unknown |  |
| 683 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 684 | N/A | N/A | 01/20/2023 | N/A | Yes | $937.81 | 01/20/2023 |
| 685 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 686 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 687 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 688 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 689 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 690 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 691 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 692 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 693 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 694 | N/A | N/A | 01/24/2023 | N/A | Yes | $3932.95 | 01/24/2023 |
| 695 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 696 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 697 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 698 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 699 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 700 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 701 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 702 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 703 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 704 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 705 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 706 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 707 | N/A | N/A | 01/23/2023 | N/A | Yes | $1042.30 | 01/23/2023 |
| 708 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 709 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 710 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 711 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 712 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 713 | N/A | N/A | 01/22/2023 | N/A | No | $0.00 |  |
| 714 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 715 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 716 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 717 | N/A | N/A | 01/20/2023 | N/A | Yes | $159.71 | 01/20/2023 |
| 718 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 719 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 720 | N/A | N/A | 01/19/2023 | N/A | Yes | $53.37 | 01/19/2023 |
| 721 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 722 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 723 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 724 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 725 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 726 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 727 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 728 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 729 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 730 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 731 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 732 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 733 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 734 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 735 | N/A | N/A | 01/24/2023 | N/A | Yes | $2759.99 | 01/24/2023 |
| 736 | N/A | N/A | 01/24/2023 | N/A | Yes | $115.33 | 01/24/2023 |
| 737 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 738 | N/A | N/A | 01/26/2023 | N/A | Yes | $4104.74 | 01/26/2023 |
| 739 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 740 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 741 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 742 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 743 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 744 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 745 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 746 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 747 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 748 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 749 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 750 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 751 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 752 | N/A | N/A | 01/24/2023 | N/A | Yes | $2105.58 | 01/24/2023 |
| 753 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 754 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 755 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 756 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 757 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 758 | N/A | N/A | 01/27/2023 | N/A | No | $0.00 |  |
| 759 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 760 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 761 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 762 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 763 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 764 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 765 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 766 | N/A | N/A | 01/24/2023 | N/A | Yes | $634.66 | 01/24/2023 |
| 767 | N/A | N/A | 01/25/2023 | N/A | Yes | $3012.53 | 01/25/2023 |
| 768 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 769 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 770 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 771 | N/A | N/A | 01/23/2023 | N/A | Yes | $1597.45 | 01/23/2023 |
| 772 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 773 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 774 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 775 | N/A | N/A | 01/23/2023 | N/A | Yes | $1395.77 | 01/23/2023 |
| 776 | N/A | N/A | 01/21/2023 | N/A | Yes | $33.94 | 01/21/2023 |
| 777 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 778 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 779 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 780 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 781 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 782 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 783 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 784 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 785 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 786 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 787 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 788 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 789 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 790 | N/A | N/A | 01/24/2023 | N/A | Yes | $354.38 | 01/24/2023 |
| 791 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 792 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 793 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 794 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 795 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 796 | N/A | N/A | 01/20/2023 | N/A | Yes | $128.73 | 01/20/2023 |
| 797 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 798 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 799 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 800 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 801 | N/A | N/A | 01/25/2023 | N/A | Yes | $101.84 | 01/25/2023 |
| 802 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 803 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 804 | N/A | N/A | 01/30/2023 | N/A | Yes | $869.94 | 01/30/2023 |
| 805 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 806 | N/A | N/A | 01/30/2023 | N/A | No | $0.00 |  |
| 807 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 808 | N/A | N/A | 01/24/2023 | N/A | Yes | $1883.89 | 01/24/2023 |
| 809 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 810 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 811 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 812 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 813 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 814 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 815 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 816 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 817 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 818 | N/A | N/A | 01/24/2023 | N/A | Yes | $1150.85 | 01/24/2023 |
| 819 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 820 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 821 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 822 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 823 | N/A | N/A | 01/20/2023 | N/A | Yes | $2588.15 | 01/20/2023 |
| 824 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 825 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 826 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 827 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 828 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 829 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 830 | N/A | N/A | 01/23/2023 | N/A | Yes | $1028.34 | 01/23/2023 |
| 831 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 832 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 833 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 834 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 835 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 836 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 837 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 838 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 839 | N/A | N/A | 01/24/2023 | N/A | Yes | $3536.82 | 01/24/2023 |
| 840 | N/A | N/A | 01/24/2023 | N/A | Yes | $765.34 | 01/24/2023 |
| 841 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 842 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 843 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 844 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 845 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 846 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 847 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 848 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 849 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 850 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 851 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 852 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 853 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 854 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 855 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 856 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 857 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 858 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 859 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 860 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 861 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 862 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 863 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 864 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 865 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 866 | N/A | N/A | 01/23/2023 | N/A | Yes | $2168.21 | 01/23/2023 |
| 867 | N/A | N/A | 01/24/2023 | N/A | Yes | $156.42 | 01/24/2023 |
| 868 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 869 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 870 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 871 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 872 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 873 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 874 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 875 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 876 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 877 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 878 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 879 | N/A | N/A | 01/26/2023 | N/A | Unknown | Unknown |  |
| 880 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 881 | N/A | N/A | 01/23/2023 | N/A | Yes | $2664.62 | 01/23/2023 |
| 882 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 883 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 884 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 885 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 886 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 887 | N/A | N/A | 01/24/2023 | N/A | Yes | $959.30 | 01/24/2023 |
| 888 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 889 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 890 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 891 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 892 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 893 | N/A | N/A | 01/23/2023 | N/A | Yes | $1436.80 | 01/23/2023 |
| 894 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 895 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 896 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 897 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 898 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 899 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 900 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 901 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 902 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 903 | N/A | N/A | 01/19/2023 | N/A | Yes | $71.07 | 01/19/2023 |
| 904 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 905 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 906 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 907 | N/A | N/A | 01/24/2023 | N/A | Yes | $2170.90 | 01/24/2023 |
| 908 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 909 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 910 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 911 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 912 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 913 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 914 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 915 | N/A | N/A | 01/19/2023 | N/A | Yes | $10230.52 | 01/19/2023 |
| 916 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 917 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 918 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 919 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 920 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 921 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 922 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 923 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 924 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 925 | N/A | N/A | 01/23/2023 | N/A | Yes | $422.64 | 01/23/2023 |
| 926 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 927 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 928 | N/A | N/A | 01/22/2023 | N/A | No | $0.00 |  |
| 929 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 930 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 931 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 932 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 933 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 934 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 935 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 936 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 937 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 938 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 939 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 940 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 941 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 942 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 943 | N/A | N/A | 01/18/2023 | N/A | Yes | $1706.43 | 01/18/2023 |
| 944 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 945 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 946 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 947 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 948 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 949 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 950 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 951 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 952 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 953 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 954 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 955 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 956 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 957 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 958 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 959 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 960 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 961 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 962 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 963 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 964 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 965 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 966 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 967 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 968 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 969 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 970 | N/A | N/A | 01/22/2023 | N/A | No | $0.00 |  |
| 971 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 972 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 973 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 974 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 975 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 976 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 977 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 978 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 979 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 980 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 981 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 982 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 983 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 984 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 985 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 986 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 987 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 988 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 989 | N/A | N/A | 01/24/2023 | N/A | Yes | $546.24 | 01/24/2023 |
| 990 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 991 | N/A | N/A | 01/24/2023 | N/A | Yes | $104.99 | 01/24/2023 |
| 992 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 993 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 994 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 995 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 996 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 997 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 998 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 999 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1000 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1001 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 1002 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1003 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 1004 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1005 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1006 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1007 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1008 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1009 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1010 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1011 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1012 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1013 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1014 | N/A | N/A | 01/19/2023 | N/A | Yes | $522.30 | 01/19/2023 |
| 1015 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 1016 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 1017 | N/A | N/A | 01/19/2023 | N/A | Yes | $1573.05 | 01/19/2023 |
| 1018 | N/A | N/A | 01/24/2023 | N/A | Yes | $601.09 | 01/24/2023 |
| 1019 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1020 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1021 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1022 | N/A | N/A | 01/22/2023 | N/A | No | $0.00 |  |
| 1023 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1024 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1025 | N/A | N/A | 01/22/2023 | N/A | No | $0.00 |  |
| 1026 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1027 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1028 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1029 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1030 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1031 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1032 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1033 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 1034 | N/A | N/A | 01/26/2023 | N/A | Unknown | Unknown |  |
| 1035 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1036 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1037 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1038 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1039 | N/A | N/A | 01/25/2023 | N/A | Yes | $370.76 | 01/25/2023 |
| 1040 | N/A | N/A | 01/23/2023 | N/A | Yes | $76.16 | 01/23/2023 |
| 1041 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1042 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1043 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1044 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 1045 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 1046 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1047 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1048 | N/A | N/A | 01/26/2023 | N/A | No | $0.00 |  |
| 1049 | N/A | N/A | 01/25/2023 | N/A | Yes | $593.20 | 01/25/2023 |
| 1050 | N/A | N/A | 01/22/2023 | N/A | No | $0.00 |  |
| 1051 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1052 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1053 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 1054 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1055 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1056 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1057 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 1058 | N/A | N/A | 01/24/2023 | N/A | Yes | $1895.09 | 01/24/2023 |
| 1059 | N/A | N/A | 01/20/2023 | N/A | No | $0.00 |  |
| 1060 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1061 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1062 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1063 | N/A | N/A | 01/25/2023 | N/A | Yes | $333.69 | 01/25/2023 |
| 1064 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1065 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1066 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1067 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 1068 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1069 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1070 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1071 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1072 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1073 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 1074 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1075 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1076 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 1077 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1078 | N/A | N/A | 01/27/2023 | N/A | Unknown | Unknown |  |
| 1079 | N/A | N/A | 01/25/2023 | N/A | No | $0.00 |  |
| 1080 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1081 | N/A | N/A | 01/26/2023 | N/A | Yes | $280.69 | 01/26/2023 |
| 1082 | N/A | N/A | 01/19/2023 | N/A | Yes | $25.56 | 01/19/2023 |
| 1083 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1084 | N/A | N/A | 01/23/2023 | N/A | No | $0.00 |  |
| 1085 | N/A | N/A | 01/19/2023 | N/A | Yes | $2136.32 | 01/19/2023 |
| 1086 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |
| 1087 | N/A | N/A | 01/18/2023 | N/A | No | $0.00 |  |
| 1088 | N/A | N/A | 01/24/2023 | N/A | No | $0.00 |  |
| 1089 | N/A | N/A | 01/19/2023 | N/A | No | $0.00 |  |

---